400 Bermuda Dr, Hardy, VA 24101 Property Records

Franklin County property record for 400 Bermuda Dr, Hardy, VA 24101

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,146 sqft · built 2022
Lot Size	1.53 acres (66,647 sqft)
Owner	Individual Name on Record
Last Sale	$408,500 (Dec 2013)
Tax Bill	$2,908 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`015 09-025 00`

Property Details

APN / Parcel Number

Primary APN	`015 09-025 00`
Alternative APN	`42322`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,146 sqft Living Area
Gross Area	3,296 sqft
1st Floor Area	2,146 sqft
Basement Area	2,146 sqft
Finished Basement	2,146 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2024
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	66,647 sqft (1.53 acres)
Terrain	Rolling
Garage Area	656 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	512 sqft
Porch	Slab
Patio Area	171 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	42322
Street Address	400 BERMUDA DR
City	HARDY
State	VA
Zip	24101-2693
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	RESERVE AT WESTLAKE LOT 25
Legal Subdivision	RESERVE AT WESTLAK
Legal Lot Number	25
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	400 BERMUDA DR, HARDY, VA 24101-2693
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2013 · Amount on Record
Deed Sale	Dec 30, 2013 · Amount on Record
Deed Document Number	20139688
Deed Book / Page	1043 / 1691
Record Updated	Sep 20, 2026

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Nov 17, 2022
Property Address	400 BERMUDA DR, HARDY, VA 24101-2693
Document Number	0011921515
Book / Page	1192 / 1515
Map Reference	MB 892 PG 651-654
Instrument Date	Nov 14, 2022
Instrument	220008411
Transaction Type	Transfer
Record Updated	Jun 12, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$367.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	400 BERMUDA DR, HARDY, VA 24101-2693

Mortgage

Document Number	0220008412
Date	Nov 17, 2022
Instrument	220008412

Lender

Name	MEMBER ONE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

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	$2,908.00 (+13.99%)	$676,300 (+61.68%) Land $65,300 Building $611,000	$676,300 (+61.68%) Land $65,300 Building $611,000
2023	$2,551.00	$418,300 (+656.42%) Land $60,300 Building $358,000	$418,300 (+656.42%) Land $60,300 Building $358,000
2022		$55,300 Land $55,300	$55,300 Land $55,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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

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