402 Harmony Rd, Boones Mill, VA 24065 Property Records

Franklin County property record for 402 Harmony Rd, Boones Mill, VA 24065

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,425 sqft · built 1967
Lot Size	0.662 acres (28,837 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Jun 2026)
Tax Bill	$864 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Apr 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`026 00-167 00`

Property Details

APN / Parcel Number

Primary APN	`026 00-167 00`
Alternative APN	`5312`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,425 sqft Living Area
Gross Area	1,709 sqft
1st Floor Area	825 sqft
Basement Area	500 sqft
Unfinished Basement	500 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1986
Roof Type	Gable
Roof Material	Metal
Lot Area	28,837 sqft (0.662 acres)
Terrain	Rolling
Garage Area	896 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	128 sqft
Patio Area	156 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	5312
Street Address	402 HARMONY RD
City	BOONES MILL
State	VA
Zip	24065-4290
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	RT 692-HARMONY RD
Jurisdiction	FRANKLIN VA
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1001
Census Tract	20400

Owner

402 Harmony Rd is owned and occupied by two individuals who bought it in June 2026.

Source: Franklin County records, as of July 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	402 HARMONY RD, BOONES MILL, VA 24065-4290
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
Jun 29, 2026	Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORPORATION
Apr 11, 2025	Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Dec 1, 2023	Deed of Trust, Mortgage · Line of Credit AMERICAN NATIONAL BANK & TRUST CO
Oct 20, 2023	Deed, Transfer · Line of Credit AMERICAN NATIONAL BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2026 · Amount on File
Deed Sale	Jun 29, 2026 · Amount on File
Prior Sale	Apr 11, 2025 · Amount on File
Deed Document Number	20264265
Deed Book / Page	1246 / 5936
Prior Transfer Date	Oct 3, 2011
Prior Transfer Doc	0010031946
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jun 29, 2026
Property Address	402 HARMONY RD, BOONES MILL, VA 24065-4290
Document Number	0000004265
Book / Page	1246 / 5936
Instrument Date	Jun 24, 2026
Instrument	20264265
Transaction Type	Transfer
Record Updated	Jul 22, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28,785.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 HARMONY RD, BOONES MILL, VA 24065-4290

Mortgage

Document Number	0000004266,
Date	Jun 29, 2026
Instrument	20264266

Lender

Name	WATERSTONE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

April 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Apr 11, 2025
Property Address	402 HARMONY RD, BOONES MILL, VA 24065-4290
Document Number	0012270737
Book / Page	1227 / 737
Instrument Date	Apr 9, 2025
Instrument	250002293
Transaction Type	Transfer
Record Updated	Nov 17, 2025
Title Company	HOMESTEAD STLMT SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$119.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	402 HARMONY RD, BOONES MILL, VA 24065-4290

Mortgage

Document Number	0250002294
Date	Apr 11, 2025
Instrument	250002294

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	402 HARMONY RD, BOONES MILL, VA 24065-4290
Transaction Type	Mortgage
Record Updated	Jan 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1309 3RD ST SW, ROANOKE, VA 24016-5218

Mortgage

Document Number	0012062323
Date	Dec 1, 2023
Book Page	1206/2323
Instrument	230007004

Lender

Name	AMERICAN NATIONAL BANK & TRUST CO
Type	Bank
Address	ROANOKE, VA 24018

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Oct 20, 2023
Property Address	402 HARMONY RD, BOONES MILL, VA 24065-4290
Document Number	0012051254
Book / Page	1205 / 1254
Instrument Date	Oct 19, 2023
Instrument	230006204
Transaction Type	Transfer
Record Updated	Nov 16, 2023
Title Company	INVESTORS TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$123.25
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
Address	1309 3RD ST SW, ROANOKE, VA 24016-5218

Mortgage

Document Number	0012051259
Date	Oct 20, 2023
Book Page	1205/1259
Instrument	230006205

Lender

Name	AMERICAN NATIONAL BANK & TRUST CO
Type	Bank
Address	ROANOKE, VA 24018

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 402 Harmony Rd was $864.

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	$864.00	$201,000 Land $30,000 Building $171,000	$201,000 Land $30,000 Building $171,000
2023	$748.00	$122,700 (-) Land $23,000 Building $99,700	$122,700 (-) Land $23,000 Building $99,700
2022		$122,700 Land $23,000 Building $99,700	$122,700 Land $23,000 Building $99,700

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

Flood

FEMA maps place 402 Harmony Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2004.

Source: FEMA National Flood Hazard Layer, effective January 6, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	6 (2004–2019)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Jul 2019 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 402 Harmony Rd is low, with a 0.02% annual chance of 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 33 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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