99 Spruce Ln, Callaway, VA 24067 Property Records

Franklin County property record for 99 Spruce Ln, Callaway, VA 24067

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,656 sqft · built 2008
Lot Size	6.01 acres (261,883 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Apr 2026)
Tax Bill	$1,519 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`038 00-007 13`

Property Details

APN / Parcel Number

Primary APN	`038 00-007 13`
Alternative APN	`38517`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,656 sqft Living Area
Gross Area	1,870 sqft
1st Floor Area	1,656 sqft
Basement Area	1,656 sqft
Finished Basement	1,490 sqft
Unfinished Basement	1,656 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2015
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	261,883 sqft (6.01 acres)
Terrain	Rolling
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	150 sqft
Deck Area	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	38517
Street Address	99 SPRUCE LN
City	CALLAWAY
State	VA
Zip	24067-2809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NZ
Legal Description	RT 643
Jurisdiction	FRANKLIN VA
Township / Civil Division	BLACKWATER
Census Block Group	1
Census Block	1014
Census Tract	20502

Owner

Source: Franklin County records, as of September 15, 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 Record
Mailing Address	99 SPRUCE LN, CALLAWAY, VA 24067-2809
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2022	Deed of Trust, Mortgage · Line of Credit BLUE EAGLE CU
Apr 24, 2026	Deed, Transfer · Conventional Mortgage ATLANTIC UNION BK
Apr 24, 2026	Deed, Transfer · Conventional Mortgage ATLANTIC BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2026 · Amount on Record
Deed Sale	Apr 24, 2026 · Amount on Record
Prior Sale	Aug 30, 2007 · Amount on Record
Deed Document Number	20262602
Deed Book / Page	1244 / 1265
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	99 SPRUCE LN, CALLAWAY, VA 24067-2809
Transaction Type	Mortgage
Record Updated	May 27, 2026
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE & SETTLEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011901259
Date	Sep 28, 2022
Book Page	1190/1259
Instrument	220007239

Lender

Name	BLUE EAGLE CU
Type	Credit Union
Address	ROANOKE, VA 24018

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Sep 27, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Apr 24, 2026
Property Address	99 SPRUCE LN, CALLAWAY, VA 24067-2809
Document Number	0000002602
Book / Page	1244 / 1265
Instrument Date	Apr 23, 2026
Instrument	2026.2602
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$53,025.00
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	99 SPRUCE LN, CALLAWAY, VA 24067-2809

Mortgage

Document Number	0000002603,
Date	Apr 24, 2026
Instrument	2026..2603

Lender

Name	ATLANTIC UNION BK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Apr 24, 2026
Property Address	99 SPRUCE LN, CALLAWAY, VA 24067-2809
Document Number	0012441265
Book / Page	1244 / 1265
Instrument Date	Apr 23, 2026
Instrument	20262602
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$53,025.00
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	99 SPRUCE LN, CALLAWAY, VA 24067-2809

Mortgage

Document Number	0000002603,
Date	Apr 24, 2026
Instrument	20262603

Lender

Name	ATLANTIC BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of September 15, 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	$1,519.00 (+32.2%)	$353,400 (+87.58%) Land $47,500 Building $305,900	$353,400 (+87.58%) Land $47,500 Building $305,900
2023	$1,149.00	$188,400 (-) Land $40,500 Building $147,900	$188,400 (-) Land $40,500 Building $147,900
2022		$188,400 Land $40,500 Building $147,900	$188,400 Land $40,500 Building $147,900

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

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1992–2004)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2004

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	Moderate above 50% of the US · above 78% of Virginia
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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 21 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Spruce Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures