47 Cedar Bluff Ln, Hardy, VA 24101 Property Records

Franklin County property record for 47 Cedar Bluff Ln, Hardy, VA 24101

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,490 sqft · built 2004
Lot Size	0.91 acres (39,664 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Nov 2023)
Tax Bill	$1,331 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Sep 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`012 01-249 00`

Property Details

APN / Parcel Number

Primary APN	`012 01-249 00`
Alternative APN	`2144`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,490 sqft Living Area
Gross Area	3,223 sqft
1st Floor Area	1,490 sqft
Basement Area	1,064 sqft
Finished Basement	1,064 sqft
Unfinished Basement	1,064 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2016
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	39,664 sqft (0.91 acres)
Terrain	Rolling
View / Lot	Waterfront
Driveway	Paver Driveway
Deck Area	285 sqft
Patio Area	560 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2144
Street Address	47 CEDAR BLUFF LN
City	HARDY
State	VA
Zip	24101-3103
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LYNVILLE ON THE LAKE LOT 1 SECTION 4
Legal Subdivision	LYNVILLE ON THE LAK
Legal Lot Number	1
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1024
Census Tract	20301

Owner

Source: Franklin County records, as of September 15, 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	47 CEDAR BLUFF LN, HARDY, VA 24101-3103
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2026	Deed of Trust, Mortgage · Line of Credit ATLANTIC UNION BANK
Sep 25, 2025	Transfer on Death Deed, Transfer
Nov 28, 2023	Deed, Transfer VIRGINIA TITLE CTR LLC, VIRGINIA TITLE CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 28, 2023 · Amount on Record
Deed Sale	Nov 28, 2023 · Amount on Record
Prior Sale	Dec 29, 2016 · Amount on Record
Deed Document Number	20236927
Deed Book / Page	1206 / 1898
Last Transfer Date	Sep 24, 2025
Transfer Doc	0012350321
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	47 CEDAR BLUFF LN, HARDY, VA 24101-3103
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	47 CEDAR BLUFF LN, HARDY, VA 24101-3103

Mortgage

Document Number	0012421282
Date	Mar 16, 2026
Book Page	1242/1282
Instrument	260001670

Lender

Name	ATLANTIC UNION BANK
Type	Bank
Address	GLEN ALLEN, VA 23060

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	FRANKLIN VA
Recording Date	Sep 25, 2025
Property Address	47 CEDAR BLUFF LN, HARDY, VA 24101-3103
Document Number	0012350321
Book / Page	1235 / 321
Map Reference	MB 2 PG 223
Instrument Date	Sep 24, 2025
Instrument	250006259
Transaction Type	Transfer
Record Updated	Nov 17, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	47 CEDAR BLUFF LN, HARDY, VA 24101-3103

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Nov 28, 2023
Property Address	47 CEDAR BLUFF LN, HARDY, VA 24101-3103
Document Number	0012061898
Book / Page	1206 / 1898
Map Reference	MB 2 PG 223
Instrument Date	Nov 20, 2023
Instrument	230006927
Transaction Type	Transfer
Record Updated	Nov 17, 2025
Title Company	VIRGINIA TITLE CTR LLC, VIRGINIA TITLE CENTER LLC

Transaction

Amount	Amount Recorded
Tax	$155.00
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	2933 CROSSINGS DR, CHESAPEAKE, VA 23321-4386

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	$1,331.00 (+13.96%)	$309,600 (+61.59%) Land $55,000 Building $254,600	$309,600 (+61.59%) Land $55,000 Building $254,600
2023	$1,168.00	$191,600 (-) Land $45,000 Building $146,600	$191,600 (-) Land $45,000 Building $146,600
2022		$191,600 Land $45,000 Building $146,600	$191,600 Land $45,000 Building $146,600

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	0.02% 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 50 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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