920 Middle Valley Rd, Hardy, VA 24101 Property Records

Franklin County property record for 920 Middle Valley Rd, Hardy, VA 24101

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,863 sqft · built 2022
Lot Size	33.7 acres (1,470,847 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Jul 2022)
Tax Bill	$3,028 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Apr 2023 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`016 00-040 00`

Property Details

APN / Parcel Number

Primary APN	`016 00-040 00`
Alternative APN	`3538`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,863 sqft Living Area
Gross Area	3,715 sqft
1st Floor Area	2,863 sqft
Basement Area	1,704 sqft
Finished Basement	1,171 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Stone
Roof Type	Gable
Roof Material	Metal
Lot Area	1,470,847 sqft (33.7 acres)
Terrain	Rolling
Porch	Slab
Porch Area	688 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3538
Street Address	920 MIDDLE VALLEY RD
City	HARDY
State	VA
Zip	24101-4132
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	RT 677-MIDDLE VALLEY ROAD
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	2
Census Block	2022
Census Tract	20302

Owner

920 Middle Valley Rd is owned and occupied by an individual who bought it in July 2022.

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

Owner of Record	Individual Name on File
Mailing Address	920 MIDDLE VALLEY RD, HARDY, VA 24101-4132
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

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
Mar 22, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF BOTETOURT
Apr 24, 2023	Deed of Trust, Mortgage · Line of Credit THE FIRST BANK & TRUST CO
Jul 27, 2022	Deed, Transfer · Conventional Mortgage TRUIST BANK
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF BOTETOURT
Mar 9, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF BOUTETOURT
Jun 16, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF BOTETOURT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2022 · Amount on File
Deed Sale	Jul 27, 2022 · Amount on File
Prior Sale	Oct 12, 2016 · Amount on File
Deed Document Number	20225727
Deed Book / Page	1187 / 2263
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	920 MIDDLE VALLEY RD, HARDY, VA 24101-4132
Transaction Type	Mortgage
Record Updated	Jan 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 MIDDLE VALLEY RD, HARDY, VA 24101-4132

Mortgage

Document Number	0011591379
Date	Mar 22, 2021
Book Page	1159/1379
Instrument	210002708

Lender

Name	BANK OF BOTETOURT
Type	Bank
Address	TROUTVILLE, VA 24175

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 17, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	920 MIDDLE VALLEY RD, HARDY, VA 24101-4132
Transaction Type	Mortgage
Record Updated	Jan 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 MIDDLE VALLEY RD, HARDY, VA 24101-4132

Mortgage

Document Number	0011972916
Date	Apr 24, 2023
Book Page	1197/2916
Instrument	230002152

Lender

Name	THE FIRST BANK & TRUST CO
Type	Bank
Address	ABINGDON, VA 24212

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jul 27, 2022
Property Address	920 MIDDLE VALLEY RD, HARDY, VA 24101-4132
Document Number	0011872263
Book / Page	1187 / 2263
Map Reference	MB 1183 PG 906
Instrument Date	Jul 25, 2022
Instrument	220005727
Transaction Type	Transfer
Record Updated	Jan 26, 2024
Title Company	ANCHOR TITLE SML LLC

Transaction

Amount	Amount on Record
Tax	$125.00
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	920 MIDDLE VALLEY RD, HARDY, VA 24101-4132

Mortgage

Document Number	0220005728
Date	Jul 27, 2022
Instrument	220005728

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Mortgage

Document Number	0011872193
Date	Jul 27, 2022
Book Page	1187/2193
Instrument	220005720

Lender

Name	THE FIRST BANK & TRUST CO
Type	Bank
Address	BRISTOL, TN 37620

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Aug 1, 2030
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	8.37%
Index	1-Year T-Bill
Max Rate	11.5%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	920 MIDDLE VALLEY RD, HARDY, VA 24101-4132
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011471569
Date	Sep 22, 2020
Book Page	1147/1569
Instrument	200007297

Lender

Name	BANK OF BOTETOURT
Type	Bank
Address	BUCHANAN, VA 24066

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	920 MIDDLE VALLEY RD, HARDY, VA 24101-4132
Document Number	0011072053
Instrument Date	Mar 9, 2018
Transaction Type	Mortgage
Record Updated	Jan 12, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011072053
Date	Apr 27, 2018
Book Page	001107/002053
Instrument	2654

Lender

Name	BANK OF BOUTETOURT
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	920 MIDDLE VALLEY RD, HARDY, VA 24101-4132
Document Number	0010941368
Instrument Date	Jun 16, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1580 OLD FRANKLIN TPKE MONETA VA 24121, MONETA, VA 24121

Mortgage

Document Number	0010941368
Date	Jun 20, 2017
Book Page	001094/001368
Instrument	3821

Lender

Name	BANK OF BOTETOURT
Type	Bank
Address	TROUTVILLE, VA 24175

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 19, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 920 Middle Valley Rd was $3,028.

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	$3,028.00	$704,200 Land $168,100 Building $536,100	$704,200 Land $168,100 Building $536,100
2023	$2,455.00	$547,200 (+250.54%) Land $161,100 Building $386,100	$547,200 (+250.54%) Land $161,100 Building $386,100
2022		$156,100 Land $156,100	$156,100 Land $156,100

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

Flood

FEMA maps place 920 Middle Valley 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

Wildfire risk around 920 Middle Valley 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 66% of the US · above 56% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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