97 Lighthouse Ln, Moneta, VA 24121 Property Records

Franklin County property record for 97 Lighthouse Ln, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,928 sqft · built 2003
Lot Size	0.318 acres (13,852 sqft)
Owner	2 Individual Names on File
Last Sale	$1,100,000 (Apr 2026)
Tax Bill	$3,863 (2025)
Deeds & Mortgages	Apr 2026 Sale Apr 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`032 01-073 00`

Property Details

APN / Parcel Number

Primary APN	`032 01-073 00`
Alternative APN	`38392`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,928 sqft Living Area
Gross Area	3,058 sqft
1st Floor Area	1,888 sqft
Basement Area	1,888 sqft
Finished Basement	1,557 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2011
Exterior Material	Brick
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	13,852 sqft (0.318 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	548 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	310 sqft
Deck Area	12 sqft
Patio Area	260 sqft
Balcony Area	40 sqft
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	38392
Street Address	97 LIGHTHOUSE LN
City	MONETA
State	VA
Zip	24121-1991
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF
Legal Description	VILLAS AT SAUNDERS COVE LOT 2
Legal Subdivision	VILLAS AT SAUNDERS COV
Legal Lot Number	2
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	3
Census Block	3005
Census Tract	20104

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	17307 JENNWAY MEWS, MOSELEY, VA 23120-1389
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Deed, Transfer FIDELITY NATIONAL TITLE
Apr 8, 2026	Deed of Trust, Mortgage · Line of Credit BRIDGE VIEW BANK
Jul 22, 2019	Warranty Deed, Transfer BANK OF AMERICA
Dec 14, 2017	Warranty Deed, Transfer · Conventional Mortgage BANK OF THE JAMES

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 24, 2026 · Amount on Record
Deed Sale	Apr 24, 2026 · Amount on Record
Prior Sale	Jul 22, 2019 · Amount on Record
Deed Document Number	20262622
Deed Book / Page	1244 / 1454
Record Updated	Sep 20, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Apr 24, 2026
Property Address	97 LIGHTHOUSE LN, MONETA, VA 24121-1991
Document Number	0000002622
Book / Page	1244 / 1454
Instrument Date	Apr 23, 2026
Instrument	2026.2622
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$111,100.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	17307 JENNWAY MEWS, MOSELEY, VA 23120-1389

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Recording Date	Apr 8, 2026
Property Address	97 LIGHTHOUSE LN, MONETA, VA 24121-1991
Document Number	0000002171
Book / Page	1243 / 1583
Instrument Date	Apr 6, 2026
Instrument	20262171
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	63 PLANTATION HOUSE DR, BLUFFTON, SC 29910-4774

Mortgage

Document Number	0000002171,
Date	Apr 8, 2026
Book Page	1243/1583
Instrument	20262171

Lender

Name	BRIDGE VIEW BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.63%
Max Rate	-1%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jul 22, 2019
Property Address	97 LIGHTHOUSE LN, MONETA, VA 24121-1991
Document Number	0011242228
Book / Page	001124 / 002228
Instrument Date	Jun 28, 2019
Instrument	4351
Transaction Type	Transfer
Record Updated	Sep 4, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$612.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	63 PLANTATION HOUSE DR BLUFFTON SC 299104774, BLUFFTON, SC 29910-4774

Mortgage

Document Number	11242230
Date	Jul 22, 2019
Book Page	001124/002230
Instrument	4352

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 21, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.13%

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Dec 14, 2017
Property Address	97 LIGHTHOUSE LN, MONETA, VA 24121-1991
Document Number	0011011900
Book / Page	001101 / 001900
Instrument Date	Nov 16, 2017
Instrument	7995
Transaction Type	Transfer
Record Updated	Feb 16, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$575.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 LIGHTHOUSE LN MONETA VA 241211991, MONETA, VA 24121-1991

Mortgage

Document Number	11011902
Date	Dec 14, 2017
Book Page	001101/001902
Instrument	7996

Lender

Name	BANK OF THE JAMES
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$3,863.00 (+7.87%)	$898,400 (+53.02%) Land $172,000 Building $726,400	$898,400 (+53.02%) Land $172,000 Building $726,400
2023	$3,581.00	$587,100 (-) Land $165,000 Building $422,100	$587,100 (-) Land $165,000 Building $422,100
2022		$587,100 Land $165,000 Building $422,100	$587,100 Land $165,000 Building $422,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force

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

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

Wildfire Risk	Low lower than 93% of the US · lower than 95% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PARK PLACE private · serves 501 people · EPA ID VA5067725
Water Source	Groundwater
Last State Inspection	May 2025
Lead	4 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Shenandoah Telecommunications Company Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: SML Wireless.

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