65 Overlook Rd, Hardy, VA 24101 Property Records

Franklin County property record for 65 Overlook Rd, Hardy, VA 24101

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,335 sqft · built 2001
Lot Size	0.898 acres (39,117 sqft)
Owner	Individual Name on File
Last Sale	$470,000 (Jan 2021)
Tax Bill	$2,382 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`015 01-037 00`

Property Details

APN / Parcel Number

Primary APN	`015 01-037 00`
Alternative APN	`2962`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,335 sqft Living Area
Gross Area	2,721 sqft
1st Floor Area	1,335 sqft
Basement Area	1,335 sqft
Unfinished Basement	1,335 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2009
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	39,117 sqft (0.898 acres)
Terrain	Steep
View / Lot	Waterfront
Garage Area	528 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	90 sqft
Deck Area	768 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2962
Street Address	65 OVERLOOK RD
City	HARDY
State	VA
Zip	24101-2713
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PAGAN ISLE LOT 5 SECTION 2
Legal Subdivision	PAGAN ISL
Legal Lot Number	5
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1005
Census Tract	20302

Owner

65 Overlook Rd is owned by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Mailing Address	2856 TULIP LN, VINTON, VA 24179-1565
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
Jan 15, 2021	Deed, Transfer · Conventional Mortgage ATLANTIC UNION BANK
Apr 17, 2020	Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Jun 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage POTOMAC MTG GRP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 15, 2021 · Amount on File
Deed Sale	Jan 15, 2021 · Amount on File
Prior Sale	Apr 17, 2020 · Amount on File
Deed Document Number	2021471
Deed Book / Page	1154 / 3036
Record Updated	Sep 20, 2026

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jan 15, 2021
Property Address	65 OVERLOOK RD, HARDY, VA 24101-2713
Document Number	0011543036
Book / Page	1154 / 3036
Map Reference	MB 1137 PG 2754
Instrument Date	Jan 4, 2021
Instrument	210000471
Transaction Type	Transfer
Record Updated	Nov 9, 2021
Title Company	FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$470.00
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	2856 TULIP LN, VINTON, VA 24179-1565

Mortgage

Document Number	210000472
Date	Jan 15, 2021
Instrument	210000472

Lender

Name	ATLANTIC UNION BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Apr 17, 2020
Property Address	65 OVERLOOK RD, HARDY, VA 24101-2713
Document Number	0011372754
Book / Page	1137 / 2754
Instrument Date	Apr 15, 2020
Instrument	200002530
Transaction Type	Transfer
Record Updated	Nov 9, 2021
Title Company	PERFORMANCE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	65 OVERLOOK RD, HARDY, VA 24101-2713

Mortgage

Document Number	200002531
Date	Apr 17, 2020
Instrument	200002531

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	65 OVERLOOK RD, HARDY, VA 24101-2713
Document Number	0010942268
Book / Page	001094 / 002268
Instrument Date	Jun 20, 2017
Transaction Type	Mortgage
Record Updated	Aug 24, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010942268
Date	Jun 27, 2017
Book Page	001094/002268
Instrument	3996

Lender

Name	POTOMAC MTG GRP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 26, 2032

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 65 Overlook Rd was $2,382.

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	$2,382.00	$614,300 Land $182,000 Building $432,300	$614,300 Land $182,000 Building $432,300
2023	$2,091.00	$342,800 (-) Land $175,000 Building $167,800	$342,800 (-) Land $175,000 Building $167,800
2022		$342,800 Land $175,000 Building $167,800	$342,800 Land $175,000 Building $167,800

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

Flood

FEMA maps place 65 Overlook Rd in Zone X, an area of minimal flood risk, within 100 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 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

Wildfire risk around 65 Overlook Rd 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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