5370 Palmetto Bluff Rd, Hardy, VA 24101 Property Records

Roanoke County property record for 5370 Palmetto Bluff Rd, Hardy, VA 24101

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,884 sqft · built 2019
Lot Size	12.5 acres (544,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$144,185 (Dec 2018)
Tax Bill	$10,031 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`090.00-04-13`

Property Details

APN / Parcel Number

Primary APN	`090.00-04-13`
Alternative APN	`000051187`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,884 sqft Finished Area
Gross Area	7,477 sqft
1st Floor Area	2,313 sqft
Basement Area	2,313 sqft
Finished Basement	1,471 sqft
Unfinished Basement	842 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
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	544,500 sqft (12.5 acres)

Exterior Amenities

Porch	Patio
Porch Area	1,221 sqft
Deck Area	506 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	000051187
Street Address	5370 PALMETTO BLUFF RD
City	HARDY
State	VA
Zip	24101-1105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG1
Legal Description	LT 13A RIVERS EDGE
Legal Subdivision	RIVERS EDGE
Legal Lot Number	13A
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	5370 PALMETTO BLUFF RD, HARDY, VA 24101-1105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF BOUTETOURT
Mar 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage INTERCOASTAL MORTGAGE
Dec 21, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF BOTETOURT
Dec 21, 2018	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2018 · Amount on Record
Deed Sale	Dec 21, 2018 · Amount on Record
Deed Document Number	201812358
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROANOKE VA
Recording Date	Jun 1, 2026
Property Address	5370 PALMETTO BLUFF RD, HARDY, VA 24101-1105
Document Number	0000004861
Instrument Date	May 5, 2026
Instrument	20264861
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5370 PALMETTO BLUFF RD, HARDY, VA 24101-1105

Mortgage

Document Number	0000004861,
Date	Jun 1, 2026
Instrument	20264861

Lender

Name	BANK OF BOUTETOURT

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 11, 2056

Interest

Rate	6.37%
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROANOKE VA
Property Address	5370 PALMETTO BLUFF RD, HARDY, VA 24101-1105
Transaction Type	Mortgage
Record Updated	Sep 6, 2022
Title Company	ELITE SETTLEMENTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004339
Date	Mar 29, 2021
Instrument	202104339

Lender

Name	INTERCOASTAL MORTGAGE
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROANOKE VA
Property Address	5370 PALMETTO BLUFF RD, HARDY, VA 24101-1105
Document Number	0000012359
Instrument Date	Dec 21, 2018
Transaction Type	Mortgage
Record Updated	Jan 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	530 CAMBRIDGE COURT RD VINTON VA 241791320, VINTON, VA 24179-1320

Mortgage

Document Number	0000012359
Date	Dec 21, 2018
Instrument	12359

Lender

Name	BANK OF BOTETOURT
Type	Bank
Address	TROUTVILLE, VA 24175

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ROANOKE VA
Recording Date	Dec 21, 2018
Property Address	5370 PALMETTO BLUFF RD, HARDY, VA 24101-1105
Document Number	0000012358
Instrument Date	Dec 10, 2018
Instrument	12358
Transaction Type	Transfer
Record Updated	Jan 17, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$144.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5370 PALMETTO BLUFF RD HARDY VA 241011105, HARDY, VA 24101-1105

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	$10,031.00 (+7.12%)	$973,900 (+7.12%) Land $137,500 Building $836,400	$973,900 (+7.12%) Land $137,500 Building $836,400
2025	$9,364.00 (+11.12%)	$909,200 (+14.36%) Land $137,500 Building $771,700
2024			$909,200 (+14.36%) Land $137,500 Building $771,700
2023	$8,427.00	$795,000 Land $132,500 Building $662,500	$795,000 Land $132,500 Building $662,500

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 53% of the US · above 82% of Virginia
Wildfire Likelihood	0.09% annual chance
Exposure	None beyond ember reach

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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Palmetto Bluff Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures