6 Overlook Rd, Hardy, VA 24101 Property Records

Franklin County property record for 6 Overlook Rd, Hardy, VA 24101

Property Summary

Property Type	Single Family Home
Details	3 bd · 5.5 ba · 3,688 sqft · built 1970
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,653 (2025)
Deeds & Mortgages	Aug 2018 Line of Credit May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`015 01-047 00`

Property Details

APN / Parcel Number

Primary APN	`015 01-047 00`
Alternative APN	`2972`

Interior

Bedrooms	3 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,688 sqft Living Area
Gross Area	5,006 sqft
1st Floor Area	1,642 sqft
Basement Area	1,840 sqft
Finished Basement	780 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1999
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	352 sqft
Deck Area	96 sqft
Patio Area	280 sqft
Balcony Area	64 sqft
Boat House	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2972
Street Address	6 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 15 SECTION 2
Legal Subdivision	PAGAN ISL
Legal Lot Number	15
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1005
Census Tract	20302

Owner

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 Record
Mailing Address	6 OVERLOOK RD, HARDY, VA 24101-2712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2018	Deed of Trust, Mortgage · Line of Credit MEMBER ONE FCU
May 3, 2017	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 29, 2011
Transfer Doc	00099701175
Record Updated	Sep 20, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	6 OVERLOOK RD, HARDY, VA 24101-2712
Document Number	0011130636
Instrument Date	Aug 31, 2018
Transaction Type	Mortgage
Record Updated	Oct 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011130636
Date	Oct 1, 2018
Book Page	001113/000636
Instrument	5975

Lender

Name	MEMBER ONE FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 30, 2043

Interest

Rate Type	Adjustable Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	6 OVERLOOK RD, HARDY, VA 24101-2712
Document Number	0010931991
Book / Page	001093 / 001991
Instrument Date	May 3, 2017
Transaction Type	Mortgage
Record Updated	Jun 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 OVERLOOK RD HARDY VA 241012712, HARDY, VA 24101-2712

Mortgage

Document Number	0010931991
Date	Jun 1, 2017
Book Page	001093/001991
Instrument	3410

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	LAWRENCEVILLE, VA 23868

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$3,653.00 (+8.4%)	$849,700 (+53.79%) Land $192,000 Building $657,700	$849,700 (+53.79%) Land $192,000 Building $657,700
2023	$3,370.00	$552,500 (-) Land $185,000 Building $367,500	$552,500 (-) Land $185,000 Building $367,500
2022		$552,500 Land $185,000 Building $367,500	$552,500 Land $185,000 Building $367,500

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 January 6, 2010

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 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 98% of the US · lower than 99% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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