640 Old Mill Dr, Hardy, VA 24101 Property Records

Franklin County property record for 640 Old Mill Dr, Hardy, VA 24101

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,224 sqft · built 1975
Lot Size	1.08 acres (47,045 sqft)
Owner	Individual Name on File
Tax Bill	$2,122 (2025)
Deeds & Mortgages	May 2024 Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012 01-075 00`

Property Details

APN / Parcel Number

Primary APN	`012 01-075 00`
Alternative APN	`1974`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,224 sqft Living Area
Gross Area	2,864 sqft
1st Floor Area	1,224 sqft
Basement Area	1,316 sqft
Finished Basement	1,316 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2001
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	47,045 sqft (1.08 acres)
Terrain	Rolling
View / Lot	Waterfront
Driveway	Asphalt Driveway

Exterior Amenities

Porch	Slab
Porch Area	404 sqft
Deck Area	276 sqft
Storage Building	Storage Building
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	1974
Street Address	640 OLD MILL DR
City	HARDY
State	VA
Zip	24101-3152
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LYNVILLE ON THE LAKE LOT 77 SECTION 1
Legal Subdivision	LYNVILLE ON THE LAK
Legal Lot Number	77
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1024
Census Tract	20301

Owner

640 Old Mill Dr is owned and occupied by an individual.

Source: Franklin County records, as of June 19, 2026

Owner of Record	Individual Name on File
Mailing Address	640 OLD MILL DR, HARDY, VA 24101-3152
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

Date	Document
May 29, 2024	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Jun 19, 2020	Warranty Deed, Transfer PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	640 OLD MILL DR, HARDY, VA 24101-3152
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 OLD MILL DR, HARDY, VA 24101-3152

Mortgage

Document Number	0012132181
Date	May 29, 2024
Book Page	1213/2181
Instrument	240003063

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2054

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jun 19, 2020
Property Address	640 OLD MILL DR, HARDY, VA 24101-3152
Document Number	0011410817
Book / Page	001141 / 000817
Instrument Date	Jun 18, 2020
Instrument	4137
Transaction Type	Transfer
Record Updated	Aug 4, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4618 SHREWSBURY CT ROANOKE VA 240183886, ROANOKE, VA 24018-3886

Mortgage

Document Number	11410820
Date	Jun 19, 2020
Book Page	001141/000820
Instrument	4138

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party

Agreement

Amount	Amount on Record
Term	84 Months
Due	Jun 18, 2027

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 640 Old Mill Dr was $2,122.

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	$2,122.00	$493,700 Land $82,000 Building $411,700	$493,700 Land $82,000 Building $411,700
2023	$1,719.00	$281,900 (-) Land $65,000 Building $216,900	$281,900 (-) Land $65,000 Building $216,900
2022		$281,900 Land $65,000 Building $216,900	$281,900 Land $65,000 Building $216,900

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

Flood

FEMA maps place 640 Old Mill Dr 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 640 Old Mill Dr 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 95% of the US · lower than 97.5% of Virginia
Wildfire Likelihood	0.01% 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 23 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 Old Mill Dr

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