104 Willis Rd, Franklin, VA 23851 Property Records

Franklin City property record for 104 Willis Rd, Franklin, VA 23851

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,040 sqft · built 2005
Lot Size	0.497 acres (21,649 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,748 (2025)
Deeds & Mortgages	May 2026 Mortgage Oct 2022 Sale & Mortgage + 2 more
APN	`053 212 4`

Property Details

APN / Parcel Number

Primary APN	`053 212 4`
Alternative APN	`3575`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,040 sqft Living Area
Gross Area	2,890 sqft
1st Floor Area	1,814 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2012
Exterior Material	Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,649 sqft (0.497 acres)
Terrain	Rolling
Garage Area	400 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	98 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3575
Street Address	104 WILLIS RD
City	FRANKLIN
State	VA
Zip	23851-2928
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ROA
Legal Description	0 497 ACRES LOT 4 JOYNER FARM PHASE 1 SECTION 1 WILLIS ROAD 053-(212)-4
Legal Subdivision	JOYNER FARM
Legal Phase	1
Legal Lot Number	4
Jurisdiction	FRANKLIN CITY VA
Township / Civil Division	FRANKLIN
Census Block Group	3
Census Block	3008
Census Tract	90100

Owner

Source: Franklin City records, as of June 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	104 WILLIS RD, FRANKLIN, VA 23851-2928
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · VA Mortgage SWIFT HOME LOANS INC
Oct 3, 2022	Special Warranty Deed, Transfer · FHA Mortgage AMERISAVE MORTGAGE CORPORATION
Apr 7, 2022	Trustee's Deed, Foreclosure
Nov 30, 2017	Warranty Deed, Transfer · VA Mortgage OVM FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2024
Deed Sale	Dec 2, 2024
Prior Sale	Oct 3, 2022 · Amount on Record
Deed Document Number	20242886
Prior Transfer Date	Nov 23, 2024
Prior Transfer Doc	0000002886
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY VA
Recording Date	May 22, 2026
Property Address	104 WILLIS RD, FRANKLIN, VA 23851-2928
Document Number	0000001431
Instrument Date	May 20, 2026
Instrument	20261431
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 WILLIS RD, FRANKLIN, VA 23851-2928

Mortgage

Document Number	0000001431,
Date	May 22, 2026
Instrument	20261431

Lender

Name	SWIFT HOME LOANS INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FRANKLIN CITY VA
Recording Date	Oct 3, 2022
Property Address	104 WILLIS RD, FRANKLIN, VA 23851-2928
Document Number	0220002664
Instrument Date	Sep 29, 2022
Instrument	220002664
Transaction Type	Transfer
Record Updated	Nov 9, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28092 MELON FIELD RD, NEWSOMS, VA 23874-2015

Mortgage

Document Number	0220002665
Date	Oct 3, 2022
Instrument	220002665

Lender

Name	AMERISAVE MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	264 Months
Due	Oct 1, 2044

Interest

Rate Type	Fixed Rate

April 2022: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	FRANKLIN CITY VA
Recording Date	Apr 7, 2022
Property Address	104 WILLIS RD, FRANKLIN, VA 23851-2928
Document Number	0220000974
Instrument Date	Mar 23, 2022
Instrument	220000974
Transaction Type	Foreclosure
Record Updated	May 25, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 W END AVE # 760W, 760W, NASHVILLE, TN 37203-1042

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN CITY VA
Recording Date	Nov 30, 2017
Property Address	104 WILLIS RD, FRANKLIN, VA 23851-2928
Document Number	0170002932
Instrument Date	Nov 17, 2017
Instrument	170002932
Transaction Type	Transfer
Record Updated	Dec 28, 2021
Title Company	PROPERTY TITLE AND ESCROW LLC, PRIORITY TITLE & ESCROW LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 WILLIS RD, FRANKLIN, VA 23851-2928

Mortgage

Document Number	0170002933
Date	Nov 30, 2017
Instrument	170002933

Lender

Name	OVM FINANCIAL INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded

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
2025	$2,748.00 (+39.42%)	$266,800 (+14.9%) Land $55,000 Building $211,800	$266,800 (+14.9%) Land $55,000 Building $211,800
2023		$232,200 Land $41,600 Building $190,600	$232,200 Land $41,600 Building $190,600
2019	$1,971.00

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1999)
Most Recent Claim	Sep 1999 · Hurricane Floyd Major Disaster Declarations

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	0.01% 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.

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 173 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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