40 Mountain Valley Rd, Hardy, VA 24101 Property Records

Franklin County property record for 40 Mountain Valley Rd, Hardy, VA 24101

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,734 sqft · built 1996
Lot Size	0.963 acres (41,948 sqft)
Owner	Individual Name on File
Last Sale	$390,000 (Apr 2019)
Tax Bill	$2,178 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Sep 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`010 00-003 03`

Property Details

APN / Parcel Number

Primary APN	`010 00-003 03`
Alternative APN	`1057`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,734 sqft Living Area
Gross Area	3,402 sqft
1st Floor Area	1,102 sqft
Basement Area	2,350 sqft
Finished Basement	1,440 sqft
Flooring	Ceramic Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2012
Exterior Material	EIFS / Synthetic Stucco
Foundation Type	Brick
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	41,948 sqft (0.963 acres)
Terrain	Rolling
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	552 sqft
Porch	Patio
Porch Area	380 sqft
Deck Area	272 sqft
Patio Area	128 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1057
Street Address	40 MOUNTAIN VALLEY RD
City	HARDY
State	VA
Zip	24101-6064
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	RT 116
Jurisdiction	FRANKLIN VA
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1011
Census Tract	20301

Owner

40 Mountain Valley Rd is owned and occupied by an individual who bought it in April 2019.

Source: Franklin County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	40 MOUNTAIN VALLEY RD, HARDY, VA 24101-6064
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 2, 2026	Deed of Trust, Mortgage · Line of Credit FIRST BANK AND TRUST COMPANY
Sep 2, 2026	Deed of Trust, Mortgage · Line of Credit FIRST BANK AND TRUST COMPANY
Oct 14, 2020	Deed of Trust, Mortgage · Line of Credit MEMBER ONE FCU
Oct 15, 2019	Deed of Trust, Mortgage · Conventional with PMI ATLANTIC BAY MTG
Apr 16, 2019	Warranty Deed, Transfer · Conventional with PMI ATLANTIC BAY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2019 · Amount on File
Deed Sale	Apr 16, 2019 · Amount on File
Prior Sale	Apr 13, 2005
Deed Document Number	20192159
Deed Book / Page	1120 / 1991
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Recording Date	Sep 2, 2026
Property Address	40 MOUNTAIN VALLEY RD, HARDY, VA 24101-6064
Document Number	0000005844
Book / Page	1249 / 2402
Instrument Date	Sep 2, 2026
Instrument	20265844
Transaction Type	Mortgage
Record Updated	Oct 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005844,
Date	Sep 2, 2026
Book Page	1249/2402
Instrument	20265844

Lender

Name	FIRST BANK AND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Recording Date	Sep 2, 2026
Property Address	40 MOUNTAIN VALLEY RD, HARDY, VA 24101-6064
Document Number	0000005842
Book / Page	1249 / 2379
Instrument Date	Sep 2, 2026
Instrument	20265842
Transaction Type	Mortgage
Record Updated	Oct 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2145 TURKEYCOCK MOUNTAIN RD, CALLANDS, VA 24530-3205

Mortgage

Document Number	0000005842,
Date	Sep 2, 2026
Book Page	1249/2379
Instrument	20265842

Lender

Name	FIRST BANK AND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	40 MOUNTAIN VALLEY RD, HARDY, VA 24101-6064
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011482980
Date	Oct 14, 2020
Book Page	1148/2980
Instrument	200008007

Lender

Name	MEMBER ONE FCU
Type	Credit Union
Address	ROANOKE, VA 24024

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 13, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	40 MOUNTAIN VALLEY RD, HARDY, VA 24101-6064
Document Number	0011290538
Instrument Date	Oct 15, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 MOUNTAIN VALLEY RD HARDY VA 241016064, HARDY, VA 24101-6064

Mortgage

Document Number	0011290538
Date	Oct 21, 2019
Book Page	001129/000538
Instrument	6713

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 20, 2049

Interest

Rate Type	Fixed Rate

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Apr 16, 2019
Property Address	40 MOUNTAIN VALLEY RD, HARDY, VA 24101-6064
Document Number	0011201991
Book / Page	001120 / 001991
Instrument Date	Apr 11, 2019
Instrument	2159
Transaction Type	Transfer
Record Updated	May 15, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 MOUNTAIN VALLEY RD HARDY VA 241016064, HARDY, VA 24101-6064

Mortgage

Document Number	11201995
Date	Apr 16, 2019
Book Page	001120/001995
Instrument	2160

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 15, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 40 Mountain Valley Rd was $2,178.

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	$2,178.00	$514,700 Land $37,000 Building $477,700	$514,700 Land $37,000 Building $477,700
2023	$2,209.00	$362,200 (-) Land $30,000 Building $332,200	$362,200 (-) Land $30,000 Building $332,200
2022		$362,200 Land $30,000 Building $332,200	$362,200 Land $30,000 Building $332,200

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

Flood

FEMA maps place 40 Mountain Valley Rd 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 40 Mountain Valley Rd is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · above 92% of Virginia
Wildfire Likelihood	0.2% 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 12 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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