360 Bermuda Dr, Hardy, VA 24101 Property Records

Franklin County property record for 360 Bermuda Dr, Hardy, VA 24101

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,974 sqft · built 2020
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Feb 2024)
Tax Bill	$1,855 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`015 09-023 00`

Property Details

APN / Parcel Number

Primary APN	`015 09-023 00`
Alternative APN	`42320`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	13 Rooms
Stories	1 Story
Building Area	1,974 sqft Living Area
Gross Area	2,645 sqft
1st Floor Area	1,732 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2024
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,087 sqft (0.53 acres)
Terrain	Rolling
Garage Area	440 sqft
Driveway	Asphalt Driveway
Parking Spaces	2 Parking Spaces
Porch	Patio
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	42320
Street Address	360 BERMUDA DR
City	HARDY
State	VA
Zip	24101-2628
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	RESERVE AT WESTLAKE LOT 23
Legal Subdivision	RESERVE AT WESTLAK
Legal Lot Number	23
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1025
Census Tract	20302

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	360 BERMUDA DR, HARDY, VA 24101-2628
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2024	Bargain and Sale Deed, Transfer · Conventional Mortgage CAPTIAL CENTER LLC
Jan 23, 2023	Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2024 · Amount on Record
Deed Sale	Feb 16, 2024 · Amount on Record
Prior Sale	Sep 18, 2020 · Amount on Record
Deed Document Number	2024878
Deed Book / Page	1209 / 1239
Record Updated	Sep 20, 2026

February 2024: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FRANKLIN VA
Recording Date	Feb 16, 2024
Property Address	360 BERMUDA DR, HARDY, VA 24101-2628
Document Number	0012091239
Book / Page	1209 / 1239
Map Reference	MB 892 PG 651-654
Instrument Date	Feb 12, 2024
Instrument	240000878
Transaction Type	Transfer
Record Updated	Mar 18, 2024
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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
Relationship	Tenants by the Entirety
Address	360 BERMUDA DR, HARDY, VA 24101-2628

Mortgage

Document Number	0240000879
Date	Feb 16, 2024
Instrument	240000879

Lender

Name	CAPTIAL CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jan 23, 2023
Property Address	360 BERMUDA DR, HARDY, VA 24101-2628
Document Number	0011942018
Book / Page	1194 / 2018
Map Reference	MB 892 PG 651-654
Instrument Date	Jan 19, 2023
Instrument	230000351
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	$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	397 BERMUDA DR, HARDY, VA 24101-2629

Mortgage

Document Number	0230000352
Date	Jan 23, 2023
Instrument	230000352

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

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	$1,855.00 (+3.57%)	$431,600 (+46.95%) Land $47,800 Building $383,800	$431,600 (+46.95%) Land $47,800 Building $383,800
2023	$1,791.00	$293,700 (-) Land $42,800 Building $250,900	$293,700 (-) Land $42,800 Building $250,900
2022		$293,700 Land $42,800 Building $250,900	$293,700 Land $42,800 Building $250,900

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
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 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