447 Bermuda Dr, Hardy, VA 24101 Property Records

Franklin County property record for 447 Bermuda Dr, Hardy, VA 24101 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,716 sqft · built 2019
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Jul 2023)
Tax Bill	$1,697 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jun 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`015 09-036 00`

Property Details

APN / Parcel Number

Primary APN	`015 09-036 00`
Alternative APN	`42333`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,716 sqft Living Area
Gross Area	2,514 sqft
1st Floor Area	1,716 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2023
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,682 sqft (0.36 acres)
Terrain	Rolling
Garage Area	528 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	42333
Street Address	447 BERMUDA DR
City	HARDY
State	VA
Zip	24101-2630
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RESERVE AT WESTLAKE LOT 36
Legal Subdivision	RESERVE AT WESTLAK
Legal Lot Number	36
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1027
Census Tract	20302

Owner

Source: Franklin County records · APN 015 09-036 00

Assessment roll updated June 19, 2026 · Last verified June 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 File
Mailing Address	447 BERMUDA DR, HARDY, VA 24101-2630
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2023	Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 01, 2023	Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Dec 11, 2020	Warranty Deed, Transfer NOT AVAILABLE
Feb 14, 2019	Deed of Trust, Mortgage · Line of Credit FREEDOM FIRST FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 28, 2023 · Amount on Record
Deed Sale	Jul 28, 2023 · Amount on Record
Prior Sale	Jun 01, 2023 · Amount on Record
Deed Document Number	20234334
Deed Book / Page	1201 / 2953
Record Updated	Sep 20, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jul 28, 2023
Property Address	447 BERMUDA DR, HARDY, VA 24101-2630
Document Number	0012012955
Book / Page	1201 / 2955
Map Reference	MB 892 PG 651-654
Instrument Date	Jul 24, 2023
Instrument	230004334
Transaction Type	Transfer
Record Updated	Aug 28, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
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	447 BERMUDA DR, HARDY, VA 24101-2630

Mortgage

Document Number	0230004336
Date	Jul 28, 2023
Instrument	230004336

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2053

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jun 01, 2023
Property Address	447 BERMUDA DR, HARDY, VA 24101-2630
Document Number	0011991507
Book / Page	1199 / 1507
Map Reference	MB 892 PG 651-654
Instrument Date	May 23, 2023
Instrument	230003024
Transaction Type	Transfer
Record Updated	Jul 03, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$151.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 14125, ROANOKE, VA 24038-4125

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Dec 11, 2020
Property Address	447 BERMUDA DR, HARDY, VA 24101-2630
Document Number	0011523065
Book / Page	001152 / 003065
Instrument Date	Dec 08, 2020
Instrument	10284
Transaction Type	Transfer
Record Updated	Jan 19, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$300.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	447 BERMUDA DR HARDY VA 24101, HARDY, VA 24101

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	447 BERMUDA DR, HARDY, VA 24101-2630
Document Number	0011181264
Instrument Date	Feb 14, 2019
Transaction Type	Mortgage
Record Updated	Mar 19, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0011181264
Date	Feb 14, 2019
Book Page	001118/001264
Instrument	843

Lender

Name	FREEDOM FIRST FCU

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated June 19, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Franklin County
Unified School District	Franklin County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,697.00 (+10.12%)	$394,800 (+56.23%) Land $40,000 Building $354,800	$394,800 (+56.23%) Land $40,000 Building $354,800
2023	$1,541.00	$252,700 (-) Land $35,000 Building $217,700	$252,700 (-) Land $35,000 Building $217,700
2022		$252,700 Land $35,000 Building $217,700	$252,700 Land $35,000 Building $217,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Franklin County (51067C), updated January 6, 2010 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 3,333 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 83 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Shenandoah Telecommunications Company	Cable	1,000 / 50
ZiTEL	Fiber	960 / 960
Verizon	Fixed Wireless	300 / 20

May also be available at this address: SML Wireless. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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