5246 Palmetto Bluff Rd, Hardy, VA 24101 Property Records

Roanoke County property record for 5246 Palmetto Bluff Rd, Hardy, VA 24101

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,873 sqft · built 2019
Lot Size	3.05 acres (132,858 sqft)
Owner	2 Individual Names on Record
Last Sale	$610,000 (Jun 2019)
Tax Bill	$7,050 (2026)
Deeds & Mortgages	Jun 2019 Mortgage Jun 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`090.00-04-04`

Property Details

APN / Parcel Number

Primary APN	`090.00-04-04`
Alternative APN	`000051178`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,873 sqft Finished Area
Gross Area	4,909 sqft
1st Floor Area	1,294 sqft
Basement Area	1,254 sqft
Finished Basement	829 sqft
Unfinished Basement	425 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Combination
Roof Type	Gable
Roof Material	Shingle
Lot Area	132,858 sqft (3.05 acres)
Garage Area	754 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	237 sqft
Patio Area	620 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	000051178
Street Address	5246 PALMETTO BLUFF RD
City	HARDY
State	VA
Zip	24101-1102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG1
Legal Description	LT 4 RIVERS EDGE
Legal Subdivision	RIVERS EDGE
Legal Lot Number	4
Jurisdiction	ROANOKE VA
Township / Civil Division	VINTON
Census Block Group	1
Census Block	1017
Census Tract	31000

Owner

Source: Roanoke County records, as of June 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5246 PALMETTO BLUFF RD, HARDY, VA 24101-1102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2019	Deed of Trust, Mortgage BANK OF BOTETOURT
Jun 18, 2019	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2019 · Amount on Record
Deed Sale	Jun 18, 2019 · Amount on Record
Deed Document Number	20195396
Record Updated	Sep 20, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROANOKE VA
Property Address	5246 PALMETTO BLUFF RD, HARDY, VA 24101-1102
Document Number	0000005397
Instrument Date	Jun 17, 2019
Transaction Type	Mortgage
Record Updated	Jul 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5246 PALMETTO BLUFF RD HARDY VA 241011102, HARDY, VA 24101-1102

Mortgage

Document Number	0000005397
Date	Jun 18, 2019
Instrument	5397

Lender

Name	BANK OF BOTETOURT
Type	Bank
Address	TROUTVILLE, VA 24175

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2049

Interest

Rate Type	Adjustable Rate

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ROANOKE VA
Recording Date	Jun 18, 2019
Property Address	5246 PALMETTO BLUFF RD, HARDY, VA 24101-1102
Document Number	0000005396
Instrument Date	May 24, 2019
Instrument	5396
Transaction Type	Transfer
Record Updated	Jul 15, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$610.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5246 PALMETTO BLUFF RD HARDY VA 241011102, HARDY, VA 24101-1102

Tax Assessment & Valuation

Source: Roanoke County assessment roll, as of June 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,050.00 (+7.18%)	$684,500 (+7.17%) Land $90,300 Building $594,200	$684,500 (+7.17%) Land $90,300 Building $594,200
2025	$6,578.00 (+11.51%)	$638,700 (+14.75%) Land $90,300 Building $548,400
2024			$638,700 (+14.75%) Land $90,300 Building $548,400
2023	$5,899.00	$556,600 Land $85,300 Building $471,300	$556,600 Land $85,300 Building $471,300

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 December 21, 2023 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1985)
Most Recent Claim	Nov 1985 · tidal / storm surge

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · above 86% of Virginia
Wildfire Likelihood	0.1% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	1,000 / 50
Cox Communications Fiber	1,000 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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