678 Old Mill Dr, Hardy, VA 24101 Property Records

Franklin County property record for 678 Old Mill Dr, Hardy, VA 24101

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,538 sqft · built 2004
Lot Size	0.554 acres (24,147 sqft)
Owner	Individual Name on File
Last Sale	$536,800 (Jan 2021)
Tax Bill	$2,426 (2025)
Deeds & Mortgages	Jan 2021 Line of Credit Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012 01-073 00`

Property Details

APN / Parcel Number

Primary APN	`012 01-073 00`
Alternative APN	`1972`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,538 sqft Living Area
Gross Area	3,530 sqft
1st Floor Area	1,538 sqft
Basement Area	1,538 sqft
Unfinished Basement	1,538 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2012
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	24,147 sqft (0.554 acres)
Terrain	Rolling
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	746 sqft
Deck Area	104 sqft
Storage Building	96 sqft
Boat Access	Boat Access
Boat House	900 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1972
Street Address	678 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 75 SECTION 1
Legal Subdivision	LYNVILLE ON THE LAK
Legal Lot Number	75
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1024
Census Tract	20301

Owner

678 Old Mill Dr is owned and occupied 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	678 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
Jan 25, 2021	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Jan 25, 2021	Deed, Transfer · Conventional Mortgage GUARANTY HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2021 · Amount on File
Deed Sale	Jan 25, 2021 · Amount on File
Deed Document Number	2021779
Deed Book / Page	1155 / 1698
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	678 OLD MILL DR, HARDY, VA 24101-3152
Transaction Type	Mortgage
Record Updated	Feb 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011551718
Date	Jan 25, 2021
Book Page	1155/1718
Instrument	210000781

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	362 Months
Due	Mar 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jan 25, 2021
Property Address	678 OLD MILL DR, HARDY, VA 24101-3152
Document Number	0011551698
Book / Page	1155 / 1698
Map Reference	MB 2 PG 210&211
Instrument Date	Jan 19, 2021
Instrument	210000779
Transaction Type	Transfer
Record Updated	Nov 9, 2021
Title Company	ACQUISITION TITLE & SETMNT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$537.00
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	678 OLD MILL DR, HARDY, VA 24101-3152

Mortgage

Document Number	210000780
Date	Jan 25, 2021
Instrument	210000780

Lender

Name	GUARANTY HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 678 Old Mill Dr was $2,426.

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	$2,426.00	$564,400 Land $80,000 Building $484,400	$564,400 Land $80,000 Building $484,400
2023	$1,944.00	$318,700 (-) Land $65,000 Building $253,700	$318,700 (-) Land $65,000 Building $253,700
2022		$318,700 Land $65,000 Building $253,700	$318,700 Land $65,000 Building $253,700

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

Flood

FEMA maps place 678 Old Mill Dr 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 678 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

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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