1013 Clay St, Franklin, VA 23851 Property Records

Franklin City property record for 1013 Clay St, Franklin, VA 23851

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,665 sqft · built 1950
Lot Size	0.603 acres (26,267 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Aug 2020)
Tax Bill	$2,882 (2026)
Deeds & Mortgages	Nov 2022 Mortgage May 2021 Refinance + 1 more
APN	`088 032 16A,17`

Property Details

APN / Parcel Number

Primary APN	`088 032 16A,17`
Alternative APN	`968`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,665 sqft Living Area
Gross Area	3,392 sqft
1st Floor Area	2,638 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1980
Exterior Material	Aluminum Siding
Construction Type	Frame
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	26,267 sqft (0.603 acres)
Lot Dimensions	175 ft deep x 150 ft wide
Terrain	Wooded
Porch	Patio
Porch Area	204 sqft
Patio Area	523 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	968
Street Address	1013 CLAY ST
City	FRANKLIN
State	VA
Zip	23851-1308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RO
Legal Description	LOT 17 & 1/2 16 CLAY ST 088-(032)-16A 17
Legal Subdivision	J L CAMP HOMEPLACE
Legal Lot Number	17
Jurisdiction	FRANKLIN CITY VA
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1047
Census Tract	90100

Owner

Source: Franklin City records, as of September 23, 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	1013 CLAY ST, FRANKLIN, VA 23851-1308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2022	Deed of Trust, Mortgage · VA Mortgage SECRETARY OF VETERANS AFFAIRS
May 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LAKEVIEW LOAN SERVICING LLC
Aug 26, 2020	Warranty Deed, Transfer · VA Mortgage HOMESPIRE MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2020 · Amount on Record
Deed Sale	Aug 26, 2020 · Amount on Record
Deed Document Number	20202011
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY VA
Property Address	1013 CLAY ST, FRANKLIN, VA 23851-1308
Transaction Type	Mortgage
Record Updated	Jan 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220003108
Date	Nov 22, 2022
Instrument	220003108

Lender

Name	SECRETARY OF VETERANS AFFAIRS

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	343 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY VA
Property Address	1013 CLAY ST, FRANKLIN, VA 23851-1308
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210001484
Date	May 17, 2021
Instrument	210001484

Lender

Name	LAKEVIEW LOAN SERVICING LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.88%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN CITY VA
Recording Date	Aug 26, 2020
Property Address	1013 CLAY ST, FRANKLIN, VA 23851-1308
Document Number	0200002011
Instrument Date	Aug 21, 2020
Instrument	200002011
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	LINEAR TITLE AND ESCROW LLC, LINEAR TITLE & ESCROW

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1013 CLAY ST, FRANKLIN, VA 23851-1308

Mortgage

Document Number	0200002012
Date	Aug 26, 2020
Instrument	200002012

Lender

Name	HOMESPIRE MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Franklin City assessment roll, as of April 23, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Franklin City
Unified School District	Franklin City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,882.00 (+1.62%)	$279,800 (+1.6%) Land $56,000 Building $223,800	$279,800 (+1.6%) Land $56,000 Building $223,800
2025	$2,836.00 (+63.84%)	$275,400 (+25.75%) Land $56,000 Building $219,400	$275,400 (+25.75%) Land $56,000 Building $219,400
2023		$219,000 Land $53,600 Building $165,400	$219,000 Land $53,600 Building $165,400
2019	$1,731.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 33 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	39 (1980–2024)
Claims Outside the SFHA	11 of 39
Most Recent Claim	Sep 2024 · other causes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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	0.02% annual chance
Exposure	None beyond ember reach

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	CITY OF FRANKLIN serves 9,000 people · EPA ID VA3620350
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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