115 Old Mill Dr, Hardy, VA 24101 Property Records

Franklin County property record for 115 Old Mill Dr, Hardy, VA 24101

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,288 sqft · built 2012
Lot Size	0.825 acres (35,936 sqft)
Owner	Individual Name on File
Last Sale	$274,000 (Nov 2022)
Tax Bill	$1,188 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Jun 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`012 01-010 00`

Property Details

APN / Parcel Number

Primary APN	`012 01-010 00`
Alternative APN	`1909`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,288 sqft Living Area
Gross Area	1,860 sqft
1st Floor Area	1,288 sqft
Basement Area	1,288 sqft
Finished Basement	1,288 sqft
Unfinished Basement	1,288 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2018
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	35,936 sqft (0.825 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	276 sqft
Deck Area	200 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1909
Street Address	115 OLD MILL DR
City	HARDY
State	VA
Zip	24101-3143
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LYNVILLE ON THE LAKE LOT 10 SECTION 1
Legal Subdivision	LYNVILLE ON THE LAK
Legal Lot Number	10
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1020
Census Tract	20301

Owner

115 Old Mill Dr is owned and occupied by an individual who bought it in November 2022.

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

Owner of Record	Individual Name on File
Mailing Address	115 OLD MILL DR, HARDY, VA 24101-3143
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
Nov 21, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jun 23, 2023	Deed of Trust, Mortgage · FHA Mortgage AMERIHOME MORTGAGE COMPANY LLC
Nov 7, 2022	Deed, Transfer · FHA Mortgage EMM LOANS LLC
Jul 22, 2020	Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Nov 8, 2017	Deed of Trust, Mortgage · Line of Credit FIRST FCU
Sep 6, 2017	Deed of Trust, Mortgage · Conventional with PMI FREEDOM FIRST CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2022 · Amount on File
Deed Sale	Nov 7, 2022 · Amount on File
Prior Sale	Jul 22, 2020 · Amount on File
Deed Document Number	20228209
Deed Book / Page	1192 / 381
Prior Transfer Date	Jul 13, 2012
Prior Transfer Doc	0010170114
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	115 OLD MILL DR, HARDY, VA 24101-3143
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012371877
Date	Nov 21, 2025
Book Page	1237/1877
Instrument	250007525

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Apr 1, 2031
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5.37%
Index	1-Year T-Bill
Margin	2
Max Rate	5%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	115 OLD MILL DR, HARDY, VA 24101-3143
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012001421
Date	Jun 23, 2023
Book Page	1200/1421
Instrument	230003546

Lender

Name	AMERIHOME MORTGAGE COMPANY LLC
Type	Mortgage Company
Address	THOUSAND OAKS, CA 91362

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Nov 7, 2022
Property Address	115 OLD MILL DR, HARDY, VA 24101-3143
Document Number	0011920381
Book / Page	1192 / 381
Map Reference	MB 2 PG 210
Instrument Date	Oct 27, 2022
Instrument	220008209
Transaction Type	Transfer
Record Updated	Nov 17, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$137.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 OLD MILL DR, HARDY, VA 24101-3143

Mortgage

Document Number	0220008210
Date	Nov 7, 2022
Instrument	220008210

Lender

Name	EMM LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jul 22, 2020
Property Address	115 OLD MILL DR, HARDY, VA 24101-3143
Document Number	0011430262
Book / Page	1143 / 262
Map Reference	MB 2 PG 211
Instrument Date	Jul 17, 2020
Instrument	200005029
Transaction Type	Transfer
Record Updated	Jun 21, 2022
Title Company	COLONIAL TITLE & SETMNT LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$249.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	115 OLD MILL DR, HARDY, VA 24101-3143

Mortgage

Document Number	0200005030
Date	Jul 22, 2020
Instrument	200005030

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	115 OLD MILL DR, HARDY, VA 24101-3143
Document Number	0011001525
Book / Page	001100 / 001525
Instrument Date	Nov 8, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011001525
Date	Nov 14, 2017
Book Page	001100/001525
Instrument	7323

Lender

Name	FIRST FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	115 OLD MILL DR, HARDY, VA 24101-3143
Document Number	0010972352
Book / Page	001097 / 002352
Instrument Date	Sep 6, 2017
Transaction Type	Mortgage
Record Updated	Oct 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0010972352
Date	Sep 11, 2017
Book Page	001097/002352
Instrument	5695

Lender

Name	FREEDOM FIRST CU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 10, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 115 Old Mill Dr was $1,188.

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	$1,188.00	$276,500 Land $37,000 Building $239,500	$276,500 Land $37,000 Building $239,500
2023	$952.00	$156,100 (-) Land $25,000 Building $131,100	$156,100 (-) Land $25,000 Building $131,100
2022		$156,100 Land $25,000 Building $131,100	$156,100 Land $25,000 Building $131,100

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

Flood

FEMA maps place 115 Old Mill Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 6, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 115 Old Mill Dr is low, with a 0.02% 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	0.02% 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 50 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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