48 Overlook Rd, Hardy, VA 24101 Property Records

Franklin County property record for 48 Overlook Rd, Hardy, VA 24101

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,325 sqft · built 1984
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Dec 2025)
Tax Bill	$1,698 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Aug 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`015 01-042 00`

Property Details

APN / Parcel Number

Primary APN	`015 01-042 00`
Alternative APN	`2967`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,325 sqft Living Area
Gross Area	2,037 sqft
1st Floor Area	541 sqft
Basement Area	1,200 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2006
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Terrain	Steep
View / Lot	Waterfront

Exterior Amenities

Porch	Patio
Porch Area	120 sqft
Deck Area	140 sqft
Patio Area	140 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	2967
Street Address	48 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 10 SECTION 2
Legal Subdivision	PAGAN ISL
Legal Lot Number	10
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1005
Census Tract	20302

Owner

48 Overlook Rd is owned by two individuals who bought it in December 2025.

Source: Franklin County records, as of June 19, 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	2 Individual Names on File
Mailing Address	326 CATTLE SCALES RD, WAYNESBORO, VA 22980-6376
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2025	Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Aug 15, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2025 · Amount on File
Deed Sale	Dec 19, 2025 · Amount on File
Deed Document Number	20258144
Deed Book / Page	1238 / 2704
Record Updated	Sep 20, 2026

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Dec 19, 2025
Property Address	48 OVERLOOK RD, HARDY, VA 24101-2712
Document Number	0012382704
Book / Page	1238 / 2704
Map Reference	DOC 250008143
Instrument Date	Dec 18, 2025
Instrument	250008144
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	UNKNOWN, PIKE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
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	326 CATTLE SCALES RD, WAYNESBORO, VA 22980-6376

Mortgage

Document Number	0250008145
Date	Dec 19, 2025
Instrument	250008145

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FRANKLIN VA
Recording Date	Aug 15, 2017
Property Address	48 OVERLOOK RD, HARDY, VA 24101-2712
Document Number	0010961649
Book / Page	001096 / 001649
Instrument Date	Jun 12, 2017
Instrument	5053
Transaction Type	Transfer
Record Updated	Sep 6, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 48 Overlook Rd was $1,698.

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	$1,698.00	$395,000 Land $164,000 Building $231,000	$395,000 Land $164,000 Building $231,000
2023	$1,676.00	$274,800 (-) Land $157,000 Building $117,800	$274,800 (-) Land $157,000 Building $117,800
2022		$274,800 Land $157,000 Building $117,800	$274,800 Land $157,000 Building $117,800

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 48 Overlook Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 48 Overlook Rd is low, with a 0.01% 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	0.01% 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

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