12059 Hardy Rd, Hardy, VA 24101 Property Records

Bedford County property record for 12059 Hardy Rd, Hardy, VA 24101

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,272 sqft · built 1961
Lot Size	1.54 acres (67,082 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Apr 2014)
Tax Bill	$1,371 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Nov 2019 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`173 A 75`

Property Details

APN / Parcel Number

Primary APN	`173 A 75`
Alternative APNs	`17309800` `518763`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,272 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	67,082 sqft (1.54 acres)
Garage Type	Mixed
Garage Area	2,424 sqft
Parking Spaces	8 Parking Spaces
Porch	Porch
Porch Area	528 sqft
Deck Area	403 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	12059 HARDY RD
City	HARDY
State	VA
Zip	24101-3724
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HARDY RD
Legal Subdivision	HARDY
Jurisdiction	BEDFORD VA
Township / Civil Division	1
Census Block Group	2
Census Block	2002
Census Tract	30602

Owner

12059 Hardy Rd is owned and occupied by an individual who acquired it in June 2019.

Source: Bedford County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	12059 HARDY RD, HARDY, VA 24101-3724
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
Sep 30, 2026	Deed of Trust, Mortgage · FHA Mortgage ALCOVA MORTGAGE
Nov 8, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MEMBER ONE FEDERAL CREDIT UNION
Apr 18, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ALCOVA MORTGAGE LLC
Jun 19, 2019	Intrafamily Transfer, Transfer · FHA Mortgage ALCOVA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2014 · Amount on File
Deed Sale	Apr 9, 2014 · Amount on File
Prior Sale	Aug 2, 2006 · Amount on File
Deed Document Number	20142690
Last Transfer Date	Jun 11, 2019
Transfer Doc	0000005456
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Recording Date	Sep 30, 2026
Property Address	12059 HARDY RD, HARDY, VA 24101-3724
Document Number	0000009284
Instrument Date	Sep 25, 2026
Instrument	20269284
Transaction Type	Mortgage
Record Updated	Oct 19, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12059 HARDY RD, HARDY, VA 24101-3724

Mortgage

Document Number	0000009284,
Date	Sep 30, 2026
Instrument	20269284

Lender

Name	ALCOVA MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	12059 HARDY RD, HARDY, VA 24101-3724
Transaction Type	Mortgage
Record Updated	Sep 6, 2022
Title Company	DOCUMENT RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190010639
Date	Nov 8, 2019
Instrument	190010639

Lender

Name	MEMBER ONE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 1, 2039

Interest

Rate Type	Fixed Rate

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	12059 HARDY RD, HARDY, VA 24101-3724
Transaction Type	Mortgage
Record Updated	Sep 6, 2022
Title Company	FIRST CHOICE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220004454
Date	Apr 18, 2022
Instrument	220004454

Lender

Name	ALCOVA MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.88%

June 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BEDFORD VA
Recording Date	Jun 19, 2019
Property Address	12059 HARDY RD, HARDY, VA 24101-3724
Document Number	0190005456
Instrument Date	Jun 11, 2019
Instrument	190005456
Transaction Type	Transfer
Record Updated	Sep 6, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12059 HARDY RD, HARDY, VA 24101-3724

Mortgage

Document Number	0190005457
Date	Jun 19, 2019
Instrument	190005457

Lender

Name	ALCOVA MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 12059 Hardy Rd was $1,371.

Source: Bedford County assessment roll, as of July 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,371.00	$334,400 Land $58,000 Building $276,400
2023	$1,371.00 Additional exemption filed	$167,200	$334,400 Land $58,000 Building $276,400

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

Flood

FEMA maps place 12059 Hardy Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 29, 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	1 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

Wildfire risk around 12059 Hardy Rd 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
ZiTEL Fiber	960 / 960

Cell Coverage

5G (outdoors only) and 4G LTE

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