44 Overlook Rd, Hardy, VA 24101 Property Records

Franklin County property record for 44 Overlook Rd, Hardy, VA 24101

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,416 sqft · built 1988
Lot Size	0.7 acres (30,492 sqft)
Owner	Individual Name on Record
Last Sale	$625,000 (May 2022)
Tax Bill	$2,933 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`015 01-043 00`

Property Details

APN / Parcel Number

Primary APN	`015 01-043 00`
Alternative APN	`2968`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,416 sqft Living Area
Gross Area	2,720 sqft
1st Floor Area	1,396 sqft
Basement Area	1,396 sqft
Finished Basement	1,396 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2009
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	30,492 sqft (0.7 acres)
Terrain	Steep
View / Lot	Waterfront
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	500 sqft
Deck Area	304 sqft
Balcony Area	20 sqft
Shed	1 Shed
Shed Area	80 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2968
Street Address	44 OVERLOOK RD
City	HARDY
State	VA
Zip	24101-2712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PAGAN ISLE LOT 11 SECTION 2
Legal Subdivision	PAGAN ISL
Legal Lot Number	11
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1005
Census Tract	20302

Owner

Source: Franklin County records, as of September 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1855 MERRIMAN WAY RD, MONETA, VA 24121-3158
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2022 · Amount on Record
Deed Sale	May 27, 2022 · Amount on Record
Prior Sale	Nov 24, 2009 · Amount on Record
Deed Document Number	20224254
Deed Book / Page	1185 / 312
Prior Transfer Date	Nov 23, 2009
Prior Transfer Doc	00097101646
Record Updated	Oct 29, 2026

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	May 27, 2022
Property Address	44 OVERLOOK RD, HARDY, VA 24101-2712
Document Number	0011850312
Book / Page	1185 / 312
Map Reference	MB 3 PG 189
Instrument Date	May 18, 2022
Instrument	220004254
Transaction Type	Transfer
Record Updated	Jun 26, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$312.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1855 MERRIMAN WAY RD, MONETA, VA 24121-3158

Mortgage

Document Number	0220004255
Date	May 27, 2022
Instrument	220004255

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

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

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	$2,933.00 (+13.81%)	$682,100 (+61.44%) Land $178,300 Building $503,800	$682,100 (+61.44%) Land $178,300 Building $503,800
2023	$2,577.00	$422,500 (-) Land $171,300 Building $251,200	$422,500 (-) Land $171,300 Building $251,200
2022		$422,500 Land $171,300 Building $251,200	$422,500 Land $171,300 Building $251,200

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	NININGER WATERWORKS private · serves 62 people · EPA ID VA5019605
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	31 ppb (2023–2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon, Xfinity, ZiTEL.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Overlook Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures