251 Summerfield Rd, Hardy, VA 24101 Property Records

Franklin County property record for 251 Summerfield Rd, Hardy, VA 24101

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,697 sqft · built 2004
Lot Size	0.817 acres (35,589 sqft)
Owner	Trust Name on File
Last Sale	$897,500 (Oct 2022)
Tax Bill	$3,940 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jun 2020 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`013 00-006 03`

Property Details

APN / Parcel Number

Primary APN	`013 00-006 03`
Alternative APN	`36125`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,697 sqft Living Area
Gross Area	5,070 sqft
1st Floor Area	1,697 sqft
Attic	Attic
Attic Area	848 sqft
Basement Area	1,697 sqft
Finished Basement	1,383 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2016
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	35,589 sqft (0.817 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	506 sqft
Driveway	Asphalt Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	252 sqft
Deck Area	28 sqft
Patio Area	520 sqft
Boat Access	Boat Access
Boat House	384 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	36125
Street Address	251 SUMMERFIELD RD
City	HARDY
State	VA
Zip	24101-2913
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	SUMMERFIELD LOT 4
Legal Subdivision	SUMMERFIELD
Legal Lot Number	4
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1007
Census Tract	20302

Owner

251 Summerfield Rd is owner-occupied and held in a trust since October 2022.

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

Owner of Record	Trust Name on File
Mailing Address	251 SUMMERFIELD RD, HARDY, VA 24101-2913
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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
Oct 17, 2022	Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Jun 3, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage APPLE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2022 · Amount on File
Deed Sale	Oct 17, 2022 · Amount on File
Prior Sale	May 26, 2005
Deed Document Number	20227671
Deed Book / Page	1191 / 555
Record Updated	Sep 20, 2026

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Oct 17, 2022
Property Address	251 SUMMERFIELD RD, HARDY, VA 24101-2913
Document Number	0011910555
Book / Page	1191 / 555
Map Reference	MB 652 PG 1578&1579
Instrument Date	Oct 13, 2022
Instrument	220007671
Transaction Type	Transfer
Record Updated	Jun 12, 2023
Title Company	COURT STREET TITLE AGENCY, COURT STREET TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$448.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	558 105TH AVE N, NAPLES, FL 34108-1838

Mortgage

Document Number	0220007672
Date	Oct 17, 2022
Instrument	220007672

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Nov 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.25%
Index	Other
Max Rate	9.25%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	251 SUMMERFIELD RD, HARDY, VA 24101-2913
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHAMPION TITLE & SETMNTS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011401003
Date	Jun 3, 2020
Book Page	1140/1003
Instrument	200003663

Lender

Name	APPLE FCU
Type	Credit Union
Address	FAIRFAX, VA 22030

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jul 1, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 251 Summerfield Rd was $3,940.

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	$3,940.00	$916,400 Land $152,000 Building $764,400	$916,400 Land $152,000 Building $764,400
2023	$3,009.00	$493,400 (-) Land $145,000 Building $348,400	$493,400 (-) Land $145,000 Building $348,400
2022		$493,400 Land $145,000 Building $348,400	$493,400 Land $145,000 Building $348,400

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

Flood

FEMA maps place 251 Summerfield Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 251 Summerfield Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	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.

Internet Providers

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

Provider	Max Down / Up (Mbps)
Glo Fiber Cable · Fiber in parts of the area	1,000 / 50
Starlink Satellite	280 / 30

Cell Coverage

4G LTE only, no 5G reported

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