Franklin County property record for 97 Cedar Bluff Ln, Hardy, VA 24101
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,392 sqft · built 2004 |
| Lot Size | 0.462 acres (20,148 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,139 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 012 01-265 00 |
| Primary APN | 012 01-265 00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,392 sqft Living Area |
| Gross Area | 2,100 sqft |
| 1st Floor Area | 1,392 sqft |
| Basement Area | 1,392 sqft |
| Unfinished Basement | 1,392 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 20,148 sqft (0.462 acres) |
| Terrain | Rolling |
| View / Lot | Waterfront |
| Deck Area | 296 sqft |
| Patio Area | 296 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 2160 |
|---|---|
| Street Address | 97 CEDAR BLUFF LN |
| City | HARDY |
| State | VA |
| Zip | 24101-3103 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LYNVILLE ON THE LAKE LOT 4 SECTION 4 |
| Legal Subdivision | LYNVILLE ON THE LAK |
| Legal Lot Number | 4 |
| Jurisdiction | FRANKLIN VA |
| Township / Civil Division | GILLS CREEK |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 20301 |
Source: Franklin County records, as of July 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 97 CEDAR BLUFF LN, HARDY, VA 24101-3103 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jun 6, 2012 |
| Transfer Doc | 00101502072 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Property Address | 97 CEDAR BLUFF LN, HARDY, VA 24101-3103 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0011482690 |
|---|---|
| Date | Oct 13, 2020 |
| Book Page | 1148/2690 |
| Instrument | 200007953 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 354 Months |
| Due | Apr 1, 2050 |
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 | $1,139.00 (+11.89%) | $265,000 (+58.78%) Land $46,000 Building $219,000 | $265,000 (+58.78%) Land $46,000 Building $219,000 |
| 2023 | $1,018.00 | $166,900 (-) Land $36,500 Building $130,400 | $166,900 (-) Land $36,500 Building $130,400 |
| 2022 | $166,900 Land $36,500 Building $130,400 | $166,900 Land $36,500 Building $130,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% 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.
Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Fiber · Cable in parts of the area | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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