390 Old Mill Dr, Hardy, VA 24101 Property Records

Franklin County property record for 390 Old Mill Dr, Hardy, VA 24101

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,372 sqft · built 2006
Lot Size	0.279 acres (12,175 sqft)
Owner	2 Individual Names on Record
Last Sale	$123,000 (Sep 2014)
Tax Bill	$1,046 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit May 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`012 01-089 00`

Property Details

APN / Parcel Number

Primary APN	`012 01-089 00`
Alternative APN	`1988`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,372 sqft Living Area
Gross Area	1,896 sqft
1st Floor Area	1,026 sqft
Basement Area	1,026 sqft
Unfinished Basement	1,026 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2013
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,175 sqft (0.279 acres)
Terrain	Steep
Parking Spaces	1 Parking Space
Deck Area	216 sqft
Balcony Area	346 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1988
Street Address	390 OLD MILL DR
City	HARDY
State	VA
Zip	24101-3100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LYNVILLE ON THE LAKE LOT 91 SECTION 1
Legal Subdivision	LYNVILLE ON THE LAK
Legal Lot Number	91
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1024
Census Tract	20301

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	390 OLD MILL DR, HARDY, VA 24101-3100
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
May 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Feb 8, 2022	Deed of Trust, Mortgage · Line of Credit ATLANTIC UNION BANK
Feb 27, 2024	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Sep 22, 2017	Deed of Trust, Mortgage · FHA Mortgage NEW PENN FIN'L LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2014 · Amount on Record
Deed Sale	Sep 19, 2014 · Amount on Record
Deed Document Number	20145179
Deed Book / Page	1052 / 2913
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	390 OLD MILL DR, HARDY, VA 24101-3100
Transaction Type	Mortgage
Record Updated	Nov 17, 2025
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	390 OLD MILL DR, HARDY, VA 24101-3100

Mortgage

Document Number	0011731477
Date	Nov 1, 2021
Book Page	1173/1477
Instrument	210010305

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	390 OLD MILL DR, HARDY, VA 24101-3100
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0011631373
Date	May 25, 2021
Book Page	1163/1373
Instrument	210004933

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	390 OLD MILL DR, HARDY, VA 24101-3100
Transaction Type	Mortgage
Record Updated	Nov 17, 2025
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	390 OLD MILL DR, HARDY, VA 24101-3100

Mortgage

Document Number	0011790232
Date	Feb 8, 2022
Book Page	1179/232
Instrument	220001104

Lender

Name	ATLANTIC UNION BANK
Type	Bank
Address	VINTON, VA 24179

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	390 OLD MILL DR, HARDY, VA 24101-3100
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	390 OLD MILL DR, HARDY, VA 24101-3100

Mortgage

Document Number	0012092259
Date	Feb 27, 2024
Book Page	1209/2259
Instrument	240001059

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

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

Interest

Rate	6.62%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	390 OLD MILL DR, HARDY, VA 24101-3100
Document Number	0010981308
Book / Page	001098 / 001308
Instrument Date	Sep 22, 2017
Transaction Type	Mortgage
Record Updated	Nov 1, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010981308
Date	Sep 27, 2017
Book Page	001098/001308
Instrument	6090

Lender

Name	NEW PENN FIN'L LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$1,046.00 (+19.54%)	$243,400 (+69.62%) Land $28,000 Building $215,400	$243,400 (+69.62%) Land $28,000 Building $215,400
2023	$875.00	$143,500 (-) Land $18,000 Building $125,500	$143,500 (-) Land $18,000 Building $125,500
2022		$143,500 Land $18,000 Building $125,500	$143,500 Land $18,000 Building $125,500

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	0.02% annual chance
Exposure	Direct burnable vegetation

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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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