Franklin County property record for 6446 Hardy Rd, Hardy, VA 24101
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,762 sqft · built 2022 |
| Lot Size | 12.8 acres (558,701 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,138 (2025) |
| Deeds & Mortgages | Dec 2022 Construction Loan Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 004 00-017 02 |
| Primary APN | 004 00-017 02 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,762 sqft Living Area |
| Gross Area | 3,218 sqft |
| 1st Floor Area | 1,762 sqft |
| Basement Area | 1,762 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Mobile Home |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 558,701 sqft (12.8 acres) |
| Terrain | Rolling |
| View / Lot | Waterfront |
| Garage Area | 495 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Deck Area | 420 sqft |
| Patio Area | 420 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 363 |
|---|---|
| Street Address | 6446 HARDY RD |
| City | HARDY |
| State | VA |
| Zip | 24101 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A1 |
| Legal Description | RT 634 |
| Jurisdiction | FRANKLIN VA |
| Township / Civil Division | BOONE |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 20301 |
6446 Hardy Rd is owned by two individuals who acquired it in December 2022.
Source: Franklin County records, as of June 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 81, HARDY, VA 24101-0081 |
| 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.
| Date | Document |
|---|---|
| Dec 2, 2022 | Intrafamily Transfer, Transfer · Construction Mortgage THE FIRST BANK & TRUST CO |
| Sep 4, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BLUE EAGLE CU |
| Aug 19, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 2, 2022 |
| Transfer Doc | 0011930266 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Recording Date | Dec 2, 2022 |
| Property Address | 6446 HARDY RD, HARDY, VA 24101 |
| Document Number | 0011930266 |
| Book / Page | 1193 / 266 |
| Map Reference | MB 562 PG 1192 |
| Instrument Date | Dec 2, 2022 |
| Instrument | 220008721 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2024 |
| Title Company | VIRGINIA TITLE CTR LLC, VIRGINIA TITLE CENTER LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 6446 HARDY RD, HARDY, VA 24101 |
| Document Number | 0220008722 |
|---|---|
| Date | Dec 2, 2022 |
| Instrument | 220008722 |
| Name | THE FIRST BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.99% |
| Type Change Date | Jan 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 4.99% |
| Max Rate At Change | 8.99% |
| Index | 1-Year T-Bill |
| Max Rate | 14% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Property Address | 6446 HARDY RD, HARDY, VA 24101 |
| Document Number | 0011262770 |
| Instrument Date | Sep 4, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 6446 HARDY RD HARDY VA 24101, HARDY, VA 24101 |
| Document Number | 0011262770 |
|---|---|
| Date | Sep 5, 2019 |
| Book Page | 001126/002770 |
| Instrument | 5486 |
| Name | BLUE EAGLE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 4, 2034 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Recording Date | Aug 19, 2019 |
| Property Address | 6446 HARDY RD, HARDY, VA 24101 |
| Document Number | 0011252906 |
| Book / Page | 001125 / 002906 |
| Instrument Date | Aug 16, 2019 |
| Instrument | 5029 |
| Transaction Type | Transfer |
| Record Updated | Sep 4, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2547 SUMMIT RIDGE RD ROANOKE VA 240126931, ROANOKE, VA 24012-6931 |
The 2025 property tax bill for 6446 Hardy Rd was $4,138.
Source: Franklin County assessment roll, as of June 19, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Franklin County |
| Unified School District | Franklin County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,138.00 | $962,400 Land $306,600 Building $655,800 | $962,400 Land $306,600 Building $655,800 |
| 2023 | $2,128.00 | $349,000 (+14.8%) Land $299,600 Building $49,400 | $349,000 (+14.8%) Land $299,600 Building $49,400 |
| 2022 | $304,000 Land $299,600 Building $4,400 | $304,000 Land $299,600 Building $4,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6446 Hardy Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 6, 2010
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 6446 Hardy Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Glo Fiber Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 25 / 3 |
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