1305 Commonwealth Dr, Hardy, VA 24101 Property Records

Bedford County property record for 1305 Commonwealth Dr, Hardy, VA 24101

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,298 sqft · built 2006
Lot Size	0.889 acres (38,768 sqft)
Owner	Individual Name on Record
Last Sale	$334,950 (Dec 2009)
Tax Bill	$1,696 (2023)
Deeds & Mortgages	Apr 2022 Line of Credit Sep 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`190 4 19`

Property Details

APN / Parcel Number

Primary APN	`190 4 19`
Alternative APNs	`90504157` `10201`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,298 sqft Living Area
Gross Area	3,712 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	38,768 sqft (0.889 acres)
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	80 sqft
Deck Area	420 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	10201
Street Address	1305 COMMONWEALTH DR
City	HARDY
State	VA
Zip	24101-3791
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VIRGINIA RIDGE LT 19 PB 40/231
Legal Subdivision	VIRGINIA RIDGE
Legal Lot Number	19
Jurisdiction	BEDFORD VA
Township / Civil Division	1
Census Block Group	2
Census Block	2002
Census Tract	30602

Owner

Source: Bedford County records, as of August 14, 2023

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1305 COMMONWEALTH DR, HARDY, VA 24101-3791
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2022	Deed of Trust, Mortgage · Line of Credit MEMBER ONE FEDERAL CREDIT UNION
Sep 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2009 · Amount on Record
Deed Sale	Dec 1, 2009 · Amount on Record
Deed Document Number	090014140
Record Updated	Jun 7, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1305 COMMONWEALTH DR, HARDY, VA 24101-3791
Transaction Type	Mortgage
Record Updated	May 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220004535
Date	Apr 19, 2022
Instrument	220004535

Lender

Name	MEMBER ONE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	312 Months
Due	Apr 7, 2048

Interest

Rate Type	Adjustable Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1305 COMMONWEALTH DR, HARDY, VA 24101-3791
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210012755
Date	Sep 2, 2021
Instrument	210012755

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	156 Months
Due	Sep 1, 2034

Interest

Rate Type	Fixed Rate
Rate	2.13%

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of January 1, 2023

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
2023	$1,696.00 Additional exemption filed	$206,900	$413,800 Land $55,000 Building $358,800

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 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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

May also be available: ZiTEL.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Commonwealth Dr

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