156 Bermuda Dr, Hardy, VA 24101 Property Records

Franklin County property record for 156 Bermuda Dr, Hardy, VA 24101

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,425 sqft · built 2023
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Sep 2024)
Tax Bill	$1,940 (2025)
Deeds & Mortgages	Sep 2026 Transfer Dec 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`015 09-016 00`

Property Details

APN / Parcel Number

Primary APN	`015 09-016 00`
Alternative APN	`42313`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,425 sqft Living Area
Gross Area	4,019 sqft
1st Floor Area	2,425 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2024
Exterior Material	Fiber Cement Siding
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,602 sqft (0.45 acres)
Terrain	Rolling
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	42313
Street Address	156 BERMUDA DR
City	HARDY
State	VA
Zip	24101-2690
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	RESERVE AT WESTLAKE LOT 16
Legal Subdivision	RESERVE AT WESTLAK
Legal Lot Number	16
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1025
Census Tract	20302

Owner

156 Bermuda Dr is owned and occupied by two individuals who acquired it in August 2026.

Source: Franklin County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	156 BERMUDA DR, HARDY, VA 24101-2690
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 9, 2026	Gift Deed, Transfer NONE LISTED ON DOCUMENT
Dec 19, 2023	Deed of Trust, Mortgage · Conventional Mortgage GENEVA FINANCIAL LLC
Nov 18, 2022	Deed, Transfer · Stand-Alone First Mortgage TERRY BROTHERS INVESTMENTS LLC
Jun 2, 2021	Re-recorded Document ANCHOR TITLE/FL LLC, ANCHOR TITLE SML LLC
May 24, 2021	Deed, Transfer ANCHOR TITLE/FL LLC, ANCHOR TITLE SML LLC
Mar 8, 2019	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2024 · Amount on File
Deed Sale	Sep 25, 2024 · Amount on File
Prior Sale	Nov 18, 2022 · Amount on File
Deed Document Number	20245777
Deed Book / Page	1219 / 212
Last Transfer Date	Aug 31, 2026
Transfer Doc	0000005959
Record Updated	Oct 29, 2026

September 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	FRANKLIN VA
Recording Date	Sep 9, 2026
Property Address	156 BERMUDA DR, HARDY, VA 24101-2690
Document Number	0000005959
Book / Page	1249 / 3092
Instrument Date	Aug 31, 2026
Instrument	20265959
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	156 BERMUDA DR, HARDY, VA 24101-2690

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	BERMUDA DR, HARDY, VA 24101
Transaction Type	Mortgage
Record Updated	Jan 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012071259
Date	Dec 19, 2023
Book Page	1207/1259
Instrument	230007365

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company
Address	LAKE OSWEGO, OR 97035

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	13 Months
Due	Jan 1, 2025

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Nov 18, 2022
Property Address	BERMUDA DR, HARDY, VA 24101
Document Number	0011921760
Book / Page	1192 / 1760
Map Reference	MB 892 PG 651-653
Instrument Date	Nov 16, 2022
Instrument	220008451
Transaction Type	Transfer
Record Updated	Jun 12, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1635 MOREWOOD RD, HARDY, VA 24101-3959

Mortgage

Document Number	0220008452
Date	Nov 18, 2022
Instrument	220008452

Lender

Name	TERRY BROTHERS INVESTMENTS LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2021: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	FRANKLIN VA
Recording Date	Jun 2, 2021
Property Address	BERMUDA DR, HARDY, VA 24101
Document Number	0011633054
Book / Page	1163 / 3054
Map Reference	MB 892 PG 651
Instrument Date	May 11, 2021
Instrument	210005170
Record Updated	Jan 24, 2023
Title Company	ANCHOR TITLE/FL LLC, ANCHOR TITLE SML LLC

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	210 PRINCE ST NE, LANSDOWNE, VA 20176-2318
Investor	Possibly a Property Investor

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	May 24, 2021
Property Address	BERMUDA DR, HARDY, VA 24101
Document Number	0011631216
Book / Page	1163 / 1216
Map Reference	MB 892 PG 651-653
Instrument Date	May 11, 2021
Instrument	210004900
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	ANCHOR TITLE/FL LLC, ANCHOR TITLE SML LLC

Transaction

Amount	Amount on Record
Tax	$45.00
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	210 PRINCE ST NE, LEESBURG, VA 20176-2318
Investor	Possibly a Property Investor

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Mar 8, 2019
Property Address	BERMUDA DR, HARDY, VA 24101
Document Number	0011190709
Book / Page	001119 / 000709
Instrument Date	Mar 6, 2019
Instrument	1335
Transaction Type	Transfer
Record Updated	Apr 16, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$210.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 14125 ROANOKE VA 240384125, ROANOKE, VA 24038-4125

Tax Assessment & Valuation

The 2025 property tax bill for 156 Bermuda Dr was $1,940.

Source: Franklin County assessment roll, as of September 15, 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	$1,940.00	$451,200 Land $52,000 Building $399,200	$451,200 Land $52,000 Building $399,200
2023	$256.00	$42,000 (-) Land $42,000	$42,000 (-) Land $42,000
2022		$42,000 Land $42,000	$42,000 Land $42,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 156 Bermuda 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 156 Bermuda Dr is low, with a 0.03% 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	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF ROCKY MOUNT serves 6,000 people · EPA ID VA5067840
Water Source	Surface water
Last State Inspection	May 2025
Also Mapped Here	WESTERN VIRGINIA WATER AUTHORITY
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,000 / 50
ZiTEL Fiber	960 / 960
Verizon Fixed Wireless	300 / 20

May also be available: SMLW Broadband.

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