5284 Palmetto Bluff Rd, Hardy, VA 24101 Property Records

Roanoke County property record for 5284 Palmetto Bluff Rd, Hardy, VA 24101

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,219 sqft · built 2016
Lot Size	3.75 acres (163,350 sqft)
Owner	2 Individual Names on File
Last Sale	$750,000 (Dec 2021)
Tax Bill	$9,154 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`090.00-04-07`

Property Details

APN / Parcel Number

Primary APN	`090.00-04-07`
Alternative APN	`000051181`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,219 sqft Finished Area
Gross Area	6,469 sqft
1st Floor Area	1,426 sqft
Basement Area	1,426 sqft
Finished Basement	1,139 sqft
Unfinished Basement	287 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Combination
Roof Type	Cathedral/Clerestory
Roof Material	Shingle
Lot Area	163,350 sqft (3.75 acres)
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	331 sqft
Deck Area	312 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	000051181
Street Address	5284 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 7 RIVERS EDGE
Legal Subdivision	RIVERS EDGE
Legal Lot Number	7
Jurisdiction	ROANOKE VA
Township / Civil Division	VINTON
Census Block Group	1
Census Block	1017
Census Tract	31000

Owner

5284 Palmetto Bluff Rd is owned and occupied by two individuals who bought it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	5284 PALMETTO BLUFF RD, HARDY, VA 24101-1102
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2021 · Amount on File
Deed Sale	Dec 10, 2021 · Amount on File
Prior Sale	Sep 13, 2016 · Amount on File
Deed Document Number	202117718
Record Updated	Sep 20, 2026

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROANOKE VA
Recording Date	Dec 10, 2021
Property Address	5284 PALMETTO BLUFF RD, HARDY, VA 24101-1102
Document Number	0000017718
Map Reference	DOC 2008-02589
Instrument Date	Nov 30, 2021
Instrument	202117718
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
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	5284 PALMETTO BLUFF RD, HARDY, VA 24101-1102

Mortgage

Document Number	0000017719
Date	Dec 10, 2021
Instrument	202117719

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 5284 Palmetto Bluff Rd was $9,154.

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	$9,154.00	$888,800 Land $93,800 Building $795,000	$888,800 Land $93,800 Building $795,000
2023	$7,615.00	$718,400 Land $88,800 Building $629,600	$718,400 Land $88,800 Building $629,600

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

Flood

FEMA maps place 5284 Palmetto Bluff Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1985.

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

Wildfire risk around 5284 Palmetto Bluff Rd is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · above 85% 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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