95 Sandy Point Ct, Union Hall, VA 24176 Property Records

Franklin County property record for 95 Sandy Point Ct, Union Hall, VA 24176

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,042 sqft · built 1990
Lot Size	0.844 acres (36,765 sqft)
Owner	Individual Name on File
Last Sale	$1,275,000 (Aug 2022)
Tax Bill	$3,737 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`052 06-055 00`

Property Details

APN / Parcel Number

Primary APN	`052 06-055 00`
Alternative APN	`17150`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,042 sqft Living Area
Gross Area	2,529 sqft
1st Floor Area	1,120 sqft
Basement Area	1,256 sqft
Finished Basement	1,027 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2009
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	36,765 sqft (0.844 acres)
Terrain	Rolling
View / Lot	Waterfront

Exterior Amenities

Porch	Slab
Porch Area	48 sqft
Deck Area	32 sqft
Balcony Area	10 sqft
Boat Access	Boat Access
Boat House	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	17150
Street Address	95 SANDY POINT CT
City	UNION HALL
State	VA
Zip	24176-2224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	SANDY POINT LOT 12
Legal Subdivision	SANDY POIN
Legal Lot Number	12
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	3
Census Block	3004
Census Tract	20102

Owner

95 Sandy Point Ct is owned and occupied by an individual who bought it in August 2022.

Source: Franklin County records, as of June 19, 2026

Owner of Record	Individual Name on File
Mailing Address	95 SANDY POINT CT, UNION HALL, VA 24176-2224
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2022	Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Sep 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2022 · Amount on File
Deed Sale	Aug 1, 2022 · Amount on File
Prior Sale	Nov 2, 2015 · Amount on File
Deed Document Number	20225858
Deed Book / Page	1187 / 2980
Record Updated	Sep 20, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Aug 1, 2022
Property Address	95 SANDY POINT CT, UNION HALL, VA 24176-2224
Document Number	0011872980
Book / Page	1187 / 2980
Map Reference	MB 445 PG 1027&1028
Instrument Date	Jul 28, 2022
Instrument	220005858
Transaction Type	Transfer
Record Updated	Jun 28, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$637.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	95 SANDY POINT CT, UNION HALL, VA 24176-2224

Mortgage

Document Number	0220005860
Date	Aug 1, 2022
Instrument	220005860

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Sep 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.62%
Index	Other
Max Rate	9.62%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	95 SANDY POINT CT, UNION HALL, VA 24176-2224
Transaction Type	Mortgage
Record Updated	Nov 9, 2021
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3917 BRASS, GREENSBORO, NC 27410

Mortgage

Document Number	0011461621
Date	Sep 11, 2020
Book Page	1146/1621
Instrument	200006793

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Sep 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.12%
Index	1-Year LIBOR
Max Rate	9.12%

Tax Assessment & Valuation

The 2025 property tax bill for 95 Sandy Point Ct was $3,737.

Source: Franklin County assessment roll, as of June 19, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Franklin County
Unified School District	Franklin County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,737.00	$869,200 Land $237,000 Building $632,200	$869,200 Land $237,000 Building $632,200
2023	$3,643.00	$597,300 (-) Land $205,000 Building $392,300	$597,300 (-) Land $205,000 Building $392,300
2022		$597,300 Land $205,000 Building $392,300	$597,300 Land $205,000 Building $392,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 95 Sandy Point Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 6, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	31 units insured incl. 24 condo units

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 95 Sandy Point Ct is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,000 / 50

May also be available: SMLW Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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