341 Bermuda Dr, Hardy, VA 24101 Property Records

Franklin County property record for 341 Bermuda Dr, Hardy, VA 24101

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,136 sqft · built 2019
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on File
Last Sale	$474,330 (Sep 2026)
Tax Bill	$1,744 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Feb 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`015 09-038 00`

Property Details

APN / Parcel Number

Primary APN	`015 09-038 00`
Alternative APN	`42335`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,136 sqft Living Area
Gross Area	2,934 sqft
1st Floor Area	2,136 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2023
Exterior Material	Stone
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)
Terrain	Rolling
Garage Area	528 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	270 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	42335
Street Address	341 BERMUDA DR
City	HARDY
State	VA
Zip	24101-2629
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	RESERVE AT WESTLAKE LOT 38
Legal Subdivision	RESERVE AT WESTLAK
Legal Lot Number	38
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1027
Census Tract	20302

Owner

341 Bermuda Dr is owned and occupied by an individual who bought it in September 2026.

Source: Franklin County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	341 BERMUDA DR, HARDY, VA 24101-2629
Occupancy	Owner Occupied
Owner Type	Individual

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 1, 2026	Deed, Transfer · Conventional Mortgage FIRST RELIANCE BANK
Feb 16, 2024	Deed, Transfer ACCOMODATION, ACCOMMODATION
Nov 20, 2020	Deed of Trust, Mortgage · Line of Credit COGENT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2026 · Amount on File
Deed Sale	Sep 1, 2026 · Amount on File
Prior Sale	Feb 16, 2024 · Amount on File
Deed Document Number	20265818
Deed Book / Page	1249 / 2139
Prior Transfer Date	May 14, 2024
Prior Transfer Doc	0012132728
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Sep 1, 2026
Property Address	341 BERMUDA DR, HARDY, VA 24101-2629
Document Number	0000005818
Book / Page	1249 / 2139
Instrument Date	Aug 27, 2026
Instrument	20265818
Transaction Type	Transfer
Record Updated	Sep 23, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$47,907.33
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	341 BERMUDA DR, HARDY, VA 24101-2629

Mortgage

Document Number	0000005819,
Date	Sep 1, 2026
Instrument	20265819

Lender

Name	FIRST RELIANCE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Feb 16, 2024
Property Address	BERMUDA DR, HARDY, VA 24101
Document Number	0012091415
Book / Page	1209 / 1415
Map Reference	MB 892 PG 651-654
Instrument Date	Feb 16, 2024
Instrument	240000908
Transaction Type	Transfer
Record Updated	Mar 18, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Tax	$200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	341 BERMUDA DR, HARDY, VA 24101-2629

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	BERMUDA DR, HARDY, VA 24101
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 S JEFFERSON ST 1400, 1400, ROANOKE, VA 24011-1327

Mortgage

Document Number	0011511635
Date	Nov 20, 2020
Book Page	1151/1635
Instrument	200009386

Lender

Name	COGENT BANK
Type	Bank
Address	ROANOKE, VA 24013

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 341 Bermuda Dr was $1,744.

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	$1,744.00	$405,600 Land $40,000 Building $365,600	$405,600 Land $40,000 Building $365,600
2023	$1,869.00	$306,500 (-) Land $35,000 Building $271,500	$306,500 (-) Land $35,000 Building $271,500
2022		$306,500 Land $35,000 Building $271,500	$306,500 Land $35,000 Building $271,500

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

Flood

FEMA maps place 341 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 341 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bermuda Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures