397 Bermuda Dr, Hardy, VA 24101 Property Records

Franklin County property record for 397 Bermuda Dr, Hardy, VA 24101

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,716 sqft · built 2019
Lot Size	0.66 acres (28,750 sqft)
Owner	Individual Name on Record
Last Sale	$399,900 (Jan 2023)
Tax Bill	$1,710 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`015 09-037 00`

Property Details

APN / Parcel Number

Primary APN	`015 09-037 00`
Alternative APN	`42334`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,716 sqft Living Area
Gross Area	2,694 sqft
1st Floor Area	1,716 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2023
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	28,750 sqft (0.66 acres)
Terrain	Rolling
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	270 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	42334
Street Address	397 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 37
Legal Subdivision	RESERVE AT WESTLAK
Legal Lot Number	37
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1027
Census Tract	20302

Owner

Source: Franklin County records, as of October 13, 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	397 BERMUDA DR, HARDY, VA 24101-2629
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERICAN NBRHD MTG ACCPTNC
Jun 26, 2020	Deed, Subdivision Related Transfer · Conventional Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 23, 2023 · Amount on Record
Deed Sale	Jan 23, 2023 · Amount on Record
Prior Sale	Jun 26, 2020 · Amount on Record
Deed Document Number	2023351
Deed Book / Page	1194 / 2018
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Sep 18, 2020
Property Address	397 BERMUDA DR, HARDY, VA 24101-2629
Document Number	0011470675
Book / Page	001147 / 000675
Instrument Date	Sep 16, 2020
Instrument	7122
Transaction Type	Transfer
Record Updated	Oct 27, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$336.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	360 BERMUDA DR HARDY VA 24101, HARDY, VA 24101

Mortgage

Document Number	11470679
Date	Sep 18, 2020
Book Page	001147/000679
Instrument	7123

Lender

Name	AMERICAN NBRHD MTG ACCPTNC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2050

Interest

Rate Type	Fixed Rate

June 2020: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jun 26, 2020
Property Address	397 BERMUDA DR, HARDY, VA 24101-2629
Document Number	0011412039
Book / Page	1141 / 2039
Map Reference	MB 892 PG 651-654
Instrument Date	Jun 25, 2020
Instrument	200004330
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 6, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$290.00
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	397 BERMUDA DR, HARDY, VA 24101-2629

Mortgage

Document Number	0200004331
Date	Jun 26, 2020
Instrument	200004331

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

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	$1,710.00 (-1.1%)	$397,800 (+40.32%) Land $55,000 Building $342,800	$397,800 (+40.32%) Land $55,000 Building $342,800
2023	$1,729.00	$283,500 (-) Land $50,000 Building $233,500	$283,500 (-) Land $50,000 Building $233,500
2022		$283,500 Land $50,000 Building $233,500	$283,500 Land $50,000 Building $233,500

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	0.03% 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

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