74 Cambridge Ct, Hardy, VA 24101 Property Records

Franklin County property record for 74 Cambridge Ct, Hardy, VA 24101

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,864 sqft · built 1940
Lot Size	1.8 acres (78,539 sqft)
Owner	Individual Name on Record
Last Sale	$179,900 (Jan 2019)
Tax Bill	$1,067 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jan 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`015 00-008 02`

Property Details

APN / Parcel Number

Primary APN	`015 00-008 02`
Alternative APN	`43171`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,864 sqft Living Area
Gross Area	5,644 sqft
1st Floor Area	840 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1964
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	78,539 sqft (1.8 acres)
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	664 sqft
Deck Area	864 sqft
Patio Area	210 sqft
Shed	1 Shed
Shed Area	288 sqft
Utility Building	70 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	43171
Street Address	74 CAMBRIDGE CT
City	HARDY
State	VA
Zip	24101-2682
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	RT 1482-CAMBRIDGE COURT LOT 2
Legal Lot Number	2
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1025
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	Individual Name on Record
Mailing Address	74 CAMBRIDGE CT, HARDY, VA 24101-2682
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2025	Deed of Trust, Mortgage POINT DIGITAL FINANCE INC
Jan 6, 2026	Intrafamily Transfer, Transfer
Dec 8, 2021	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Jan 15, 2019	Warranty Deed, Transfer · FHA Mortgage ALCOVA MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 15, 2019 · Amount on Record
Deed Sale	Jan 15, 2019 · Amount on Record
Deed Document Number	2019269
Deed Book / Page	1117 / 1472
Last Transfer Date	Nov 4, 2025
Transfer Doc	0012390749
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	74 CAMBRIDGE CT, HARDY, VA 24101-2682
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 CAMBRIDGE CT, HARDY, VA 24101-2682

Mortgage

Document Number	0012361899
Date	Oct 30, 2025
Book Page	1236/1899
Instrument	250007042

Lender

Name	POINT DIGITAL FINANCE INC
Type	Mortgage Company
Address	PALO ALTO, CA 94302

Agreement

Amount	Amount Recorded

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN VA
Recording Date	Jan 6, 2026
Property Address	74 CAMBRIDGE CT, HARDY, VA 24101-2682
Document Number	0012390749
Book / Page	1239 / 749
Map Reference	MB 1092 PG 377
Instrument Date	Nov 4, 2025
Instrument	260000097
Transaction Type	Transfer
Record Updated	Feb 3, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	74 CAMBRIDGE CT, HARDY, VA 24101-2682

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 CAMBRIDGE CT, HARDY, VA 24101-2682

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	74 CAMBRIDGE CT, HARDY, VA 24101-2682
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 CAMBRIDGE CT, HARDY, VA 24101-2682

Mortgage

Document Number	0011751951
Date	Dec 8, 2021
Book Page	1175/1951
Instrument	210011381

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	326 Months
Due	Feb 1, 2049

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jan 15, 2019
Property Address	74 CAMBRIDGE CT, HARDY, VA 24101-2682
Document Number	0011171472
Book / Page	001117 / 001472
Instrument Date	Jan 11, 2019
Instrument	269
Transaction Type	Transfer
Record Updated	Feb 19, 2019

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$179.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 CAMBRIDGE CT HARDY VA 241012682, HARDY, VA 24101-2682

Mortgage

Document Number	11171478
Date	Jan 15, 2019
Book Page	001117/001478
Instrument	270

Lender

Name	ALCOVA MTG
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed 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	$1,067.00 (-3.26%)	$248,200 (+37.2%) Land $46,800 Building $201,400	$248,200 (+37.2%) Land $46,800 Building $201,400
2023	$1,103.00	$180,900 (-) Land $39,800 Building $141,100	$180,900 (-) Land $39,800 Building $141,100
2022		$180,900 Land $39,800 Building $141,100	$180,900 Land $39,800 Building $141,100

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
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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.03% 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	WESTERN VIRGINIA WATER AUTHORITY serves 182,700 people · EPA ID VA2770900
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2020 Haloacetic acids resolved · Jul 2017
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: SMLW Broadband, ZiTEL.

Cell Coverage

5G (outdoors only) and 4G LTE

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