220 Walnut Trace Dr, Hardy, VA 24101 Property Records

Franklin County property record for 220 Walnut Trace Dr, Hardy, VA 24101

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,744 sqft · built 2005
Lot Size	1.33 acres (58,327 sqft)
Owner	Individual Name on Record
Last Sale	$995,000 (Sep 2022)
Tax Bill	$4,336 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`003 01-119 00`

Property Details

APN / Parcel Number

Primary APN	`003 01-119 00`
Alternative APN	`37450`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,744 sqft Living Area
Gross Area	3,144 sqft
1st Floor Area	1,744 sqft
Basement Area	1,744 sqft
Finished Basement	1,744 sqft
Flooring	Hardwood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2016
Exterior Material	Logs
Roof Type	Gable
Roof Material	Metal
Lot Area	58,327 sqft (1.33 acres)
Terrain	Steep
View / Lot	Waterfront

Exterior Amenities

Porch	Patio
Porch Area	872 sqft
Deck Area	528 sqft
Storage Building	48 sqft
Boat Access	Boat Access
Boat House	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	37450
Street Address	220 WALNUT TRACE DR
City	HARDY
State	VA
Zip	24101-3054
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	WALNUT RUN LOT 1 SECTION 5
Legal Subdivision	WALNUT RUN
Legal Lot Number	1
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1001
Census Tract	20302

Owner

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

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
Mailing Address	220 WALNUT TRACE DR, HARDY, VA 24101-3054
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2022	Deed of Trust, Mortgage · Line of Credit THE FIRST BANK & TRUST CO
Sep 16, 2022	Deed, Transfer · Conventional Mortgage THE FIRST BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2022 · Amount on Record
Deed Sale	Sep 16, 2022 · Amount on Record
Prior Sale	Jun 22, 2016 · Amount on Record
Deed Document Number	20226978
Deed Book / Page	1189 / 2758
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	220 WALNUT TRACE DR, HARDY, VA 24101-3054
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 HEATHER LN, STAUNTON, VA 24401-9696

Mortgage

Document Number	0011930902
Date	Dec 9, 2022
Book Page	1193/902
Instrument	220008831

Lender

Name	THE FIRST BANK & TRUST CO
Type	Bank
Address	ABINGDON, VA 24212

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Sep 16, 2022
Property Address	220 WALNUT TRACE DR, HARDY, VA 24101-3054
Document Number	0011892758
Book / Page	1189 / 2758
Map Reference	MB 692 PG 1038
Instrument Date	Sep 14, 2022
Instrument	220006978
Transaction Type	Transfer
Record Updated	Jun 28, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$497.50
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	174 HEATHER LN, STAUNTON, VA 24401-9696

Mortgage

Document Number	0220006979
Date	Sep 16, 2022
Instrument	220006979

Lender

Name	THE FIRST BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Oct 1, 2032
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	8.12%
Index	1-Year T-Bill
Max Rate	11.5%

Tax Assessment & Valuation

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	$4,336.00 (+7.62%)	$1,008,600 (+52.68%) Land $206,800 Building $801,800	$1,008,600 (+52.68%) Land $206,800 Building $801,800
2023	$4,029.00	$660,600 (-) Land $201,800 Building $458,800	$660,600 (-) Land $201,800 Building $458,800
2022		$660,600 Land $201,800 Building $458,800	$660,600 Land $201,800 Building $458,800

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 January 6, 2010

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 95% of the US · lower than 97.5% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	WESTERN VIRGINIA WATER AUTHORITY serves 182,700 people · EPA ID VA2770900
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2020 Haloacetic acids resolved · Jul 2017
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber · Cable in parts of the area	1,000 / 35
Starlink Satellite	280 / 30

May also be available: Verizon, Xfinity, ZiTEL.

Cell Coverage

5G (outdoors only) and 4G LTE

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