1404 Commonwealth Dr, Hardy, VA 24101 Property Records

Bedford County property record for 1404 Commonwealth Dr, Hardy, VA 24101

Property Summary

Property Type	Single Family Home
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$470,000 (Dec 2025)
Tax Bill	$1,447 (2026)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Jul 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`190 4 25`

Property Details

APN / Parcel Number

Primary APN	`190 4 25`
Alternative APNs	`90504163` `526652`

Exterior

Lot Area	43,560 sqft (1 acres)

Location & Zoning

Street Address	1404 COMMONWEALTH DR
City	HARDY
State	VA
Zip	24101-3792
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VIRGINIA RIDGE LT 25 PB 40/231
Legal Subdivision	VIRGINIA RIDGE
Legal Lot Number	2
Jurisdiction	BEDFORD VA
Township / Civil Division	1
Census Block Group	2
Census Block	2002
Census Tract	30602

Owner

Source: Bedford County records, as of July 23, 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	1404 COMMONWEALTH DR, HARDY, VA 24101-3792
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2025	Deed, Transfer · Conventional Mortgage VIRGINIA CU INC
Jul 29, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Apr 28, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage MOVEMENT MORTGAGE LLC
Aug 5, 2019	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2025 · Amount on Record
Deed Sale	Dec 18, 2025 · Amount on Record
Prior Sale	Jan 17, 2025
Deed Document Number	202510923
Prior Transfer Date	Apr 21, 2020
Prior Transfer Doc	0000004183
Record Updated	Oct 29, 2026

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BEDFORD VA
Recording Date	Dec 18, 2025
Property Address	1404 COMMONWEALTH DR, HARDY, VA 24101-3792
Document Number	0250010923
Map Reference	MB 40 PG 231-234
Instrument Date	Dec 3, 2025
Instrument	250010923
Transaction Type	Transfer
Record Updated	Dec 31, 2025
Title Company	PERFORMANCE TITLE AND SETTLEMENT, PERFORMANCE TITLE & STLMT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$470.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1404 COMMONWEALTH DR, HARDY, VA 24101-3792

Mortgage

Document Number	0250010924
Date	Dec 18, 2025
Instrument	250010924

Lender

Name	VIRGINIA CU INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Jul 29, 2022
Property Address	1404 COMMONWEALTH DR, HARDY, VA 24101-3792
Document Number	0220008577
Instrument Date	Jul 8, 2022
Instrument	220008577
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	PRIORITY TITLE AND SETTLEMENT LL, PRIORITY TITLE & SETTLEMENTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1404 COMMONWEALTH DR, HARDY, VA 24101-3792

Mortgage

Document Number	0220008578
Date	Jul 29, 2022
Instrument	220008578

Lender

Name	GUARANTEED RATE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BEDFORD VA
Recording Date	Apr 28, 2020
Property Address	1404 COMMONWEALTH DR, HARDY, VA 24101-3792
Document Number	0200004183
Instrument Date	Apr 21, 2020
Instrument	200004183
Transaction Type	Transfer
Record Updated	Aug 15, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1404 COMMONWEALTH DR, HARDY, VA 24101-3792

Mortgage

Document Number	0200004184
Date	Apr 28, 2020
Instrument	200004184

Lender

Name	MOVEMENT MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Aug 5, 2019
Property Address	1404 COMMONWEALTH DR, HARDY, VA 24101-3792
Document Number	0190007062
Instrument Date	Jul 24, 2019
Instrument	190007062
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	PRIORITY TITLE AND SETTLEMENT LL, PRIORITY TITLE & STLMNT LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1404 COMMONWEALTH DR, HARDY, VA 24101-3792

Mortgage

Document Number	0190007063
Date	Aug 5, 2019
Instrument	190007063

Lender

Name	MOVEMENT MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$1,447.00	$353,000 (-) Land $45,000 Building $308,000
2025	$1,447.00 Additional exemption filed	$353,000 (+1%) Land $45,000 Building $308,000
2023	$1,447.00 Additional exemption filed	$176,500	$353,000 Land $45,000 Building $308,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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