Waterfront home nestled on 3.02 acres this 5 BR, 3 bath contemporary with 3,130 sq ft gives your family the comfort and privacy they need. A paved driveway down to a 4 car detached garage gives plenty of space for your guests. Open living floor plan with cathedral ceiling & hardwood flooring in the great room that opens to a partial covered deck with ceiling fans. Kitchen with stainless steel appliances, granite countertops, an island bar and tile flooring. Laundry room on the main level. Primary bath with large tile shower with seat & glass door, a chandelier and a freestanding relaxing soaking tub. Lower level family room with wood flooring, fireplace with gas logs, storage and wet bar roughed in. Pathway to double covered dock w/ jet ski port, storage area/bar and 160 ft of waterfrontage. Enjoy wide water and sunset views in your own private escape! Zoned A1 short term rentals allowed with special use permit.
Single-familyProperty Type
2002Year Built
3.02 acresLot Size
$392Est. Price/Sq.Ft.
1 garage spacesParking
Listed by SYLVIA PAGANS• MKB, REALTORS® - AT THE LAKE
Listed by MATT PAGANS• MKB, REALTORS® - AT THE LAKE
First time offered, enjoy lake life in this well maintained, two-level lakefront home. Enter this 3 acre property on a private, paved driveway to plenty of parking space and a 4-car detached garage, home starts with a covered front porch, enter to an open living and kitchen area, then 5 bedrooms (3 up, 2 down), and 3 full baths. Cathedral ceiling, hardwood flooring, updated kitchen w/ tile floor, stainless appliances. Updated first floor baths w/ tile showers, wide partially covered rear deck w/ composited decking and PVC railings to enjoy the lake views. Lower level plumbed for in-law suite or wet bar, storage area, 2 bedrooms and a bath. Walk out to a covered porch for extra entertaining space. Walk down a gentle grade gravel path to large dock with 2 covered slips w/ lifts, floating deck, storage/bar area. 160 (estimated) ft. of waterfrontage. All awaiting the next lucky owner.
Year
Property tax
Land + Additions
Assessment*
2025
$3,818
$222,100 + $665,800
$887,900
2024
$3,818 (+35.4%)
$222,100 + $665,800
$887,900
2023
$2,821
$165,100 + $297,300
$462,400
2022
$2,821
$165,100 + $297,300
$462,400
2021
$2,821
$165,100 + $297,300
$462,400
2020
$2,821 (−9.4%)
$165,100 + $297,300
$462,400
2019
$3,113
$220,200 + $290,200
$510,400
2018
$3,113 (+10.9%)
$220,200 + $290,200
$510,400
2017
$2,807
$220,200 + $290,200
$510,400
2016
$2,807 (+5.1%)
$220,200 + $290,200
$510,400
2014
$2,670
$215,000 + $270,500
$485,500
Tax history for 2865 Kemp Ford Rd
Year
Property tax
Land + Additions
Assessment*
2025
$3,818
$222,100 + $665,800
$887,900
2024
$3,818 (+35.4%)
$222,100 + $665,800
$887,900
2023
$2,821
$165,100 + $297,300
$462,400
2022
$2,821
$165,100 + $297,300
$462,400
2021
$2,821
$165,100 + $297,300
$462,400
2020
$2,821 (−9.4%)
$165,100 + $297,300
$462,400
2019
$3,113
$220,200 + $290,200
$510,400
2018
$3,113 (+10.9%)
$220,200 + $290,200
$510,400
2017
$2,807
$220,200 + $290,200
$510,400
2016
$2,807 (+5.1%)
$220,200 + $290,200
$510,400
2014
$2,670
$215,000 + $270,500
$485,500
*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.
Public record
Public record
Zoning
Beds
5
Baths
3
Stories
1
Lot width
—
Lot depth
—
Lot size
3.02 Acres
Year renovated
2010
Sq. Ft.
2,352
Year built
2002
Style
Single Family Residential
County
Franklin County
APN
052/00/035/02/A///
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Jul 29, 2026.
A1
Agricultural District
This district includes unincorporated portions of the county that are occupied by various open uses such as farms, forests, lakes, reservoirs, streams and park lands. This district is established for the purpose of facilitating existing and future farming operations, preserving farm and forest lands, conserving water and other natural resources, reducing soil erosion, preventing water pollution, and protecting watersheds and reducing hazards from flood and fire.
Permitted uses
Include but are not limited to:
Agriculture
Greenhouse / nursery
Assembly / meeting place
Religious facility
Day care facility
Commercial & retail-Other
Housing-Single unit
Bed & breakfast
Library
Veterinary clinic
Property details
Parking
Garage and Parking Information
# of Covered Spaces: 4
Interior
Bedroom Information
# of Bedrooms (Total): 5
# of Main Level Bedrooms: 3
Bathroom Information
# of Full Bathrooms: 3
# of Main Level Bathrooms: 2
Fireplace Information
Has Fireplace
# of Fireplaces (Total): 1
Interior Features
# of Rooms (Total): 19
Appliances: Garage Door Opener, Microwave Oven (Built In)
Door Features: Full View, Insulated
Flooring: Carpet, Tile, Wood
Exterior
Building Information
Building Area (Total): 3,136
Year Built: 2002
Exterior Features
Patio And Porch Features: Front Porch, Rear Porch
Property Information
PropertyType: Residential
Lot Information
Lot Size Area: 3.02
Lot Size Acres: 3.02
Lot Size Square Feet: 131,551.2
Lot Size Units: Acres
Waterfront: Yes
Water Body Name: Smith Mtn Lake
Waterfront Features: Riprap Shoreline
Zoning: -1
Financial
Tax Information
Tax Annual Amount: $3,730
Parcel Number: 0520003502A
Utilities
Heating & Cooling
Has Heating
Has Cooling
Heating: Heat Pump
Location
School Information
Elementary School: Glade Hill
Middle Or Junior School: Ben Franklin Middle
High School: Franklin County
Location Information
Directions: HFB: 122 S, L on 616 Scruggs Rd, R on 834 Brooks Mill Rd to US 40 E., 40 E to Union Hall, Lefty at the Whistle Stop on Kemp Ford Rd for 2,8 miles, home on left.
Public facts
Beds: 5
Baths: 3.0
Sq. Ft.: 2,352
Stories: 1.0
Lot Size: 3.02 acres
Style: Single Family Residential
Year Built: 2002
Year Renovated: 2010
County: Franklin County
APN: 052/00/035/02/A///
Home facts updated by county records on Jul 29, 2026
Other
Listing Information
ListingId: 913549
ListPrice: $1,250,000
Around this home
Schools
Glade Hill Elementary School
Public PreK-5 • Assigned • 4.5mi
7/10
Benjamin Franklin Middle School
Public 6-8 • Assigned • 10.8mi
7/10
Franklin County High School
Public 9-12 • Assigned • 10.5mi
4/10
Provided by GreatSchools
Lifestyle
Provided by Walk Score and Local Logic
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
1/10 Fire Factor
Unlikely to be in a wildfire in next 30 years
5/10 Heat Factor
7 days above 102° expected this year, 18 days in 30 years
2/10 Wind Factor
3% chance of strong winds in next 30 years
2/10 Air Factor
1 unhealthy days expected this year, 1 days in 30 years
Provided by First Street
Historical weather
Union Hall, VA • 24176
Average low and high temperatures (°F)
43
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33
67
43
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52
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56
85
66
88
71
80
65
78
61
70
50
61
43
48
32
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
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Sun exposure
In this area, properties receive around 9 hours in
June and 4.7 hours in December, placing it below the
U.S. average for solar exposure.
9 hrs
4.7 hrs
JuneDecember
Provided by Shadowmap
Estimated sale price
$1.17M – $1.42M
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