11923 Franklin St, Ferrum, VA 24088 Property Records

Franklin County property record for 11923 Franklin St, Ferrum, VA 24088

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,846 sqft · built 1921
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$448,308 (May 2024)
Tax Bill	$1,350 (2025)
Deeds & Mortgages	May 2020 Mortgage Apr 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`080 00-080 00`

Property Details

APN / Parcel Number

Primary APN	`080 00-080 00`
Alternative APN	`24996`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,846 sqft Living Area
Gross Area	4,360 sqft
1st Floor Area	2,458 sqft
Basement Area	512 sqft
Unfinished Basement	512 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1979
Exterior Material	Vinyl
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Terrain	Rolling
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	816 sqft
Deck Area	186 sqft
Shed	1 Shed
Greenhouse	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	24996
Street Address	11923 FRANKLIN ST
City	FERRUM
State	VA
Zip	24088-3276
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NZ
Legal Description	SOUTH SIDE RT 40 WEST OF FERRUM
Jurisdiction	FRANKLIN VA
Township / Civil Division	BLUE RIDGE
Census Block Group	2
Census Block	2009
Census Tract	20701

Owner

Source: Franklin County records, as of June 19, 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	11923 FRANKLIN ST, FERRUM, VA 24088-3276
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2020	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Apr 3, 2018	Warranty Deed, Transfer · VA Mortgage USAA
Sep 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage MEMBER ONE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2024 · Amount on Record
Deed Sale	May 3, 2024 · Amount on Record
Prior Sale	Apr 3, 2018 · Amount on Record
Deed Document Number	20242550
Deed Book / Page	1212 / 2008
Prior Transfer Date	Apr 21, 2005
Prior Transfer Doc	0008500749
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	11923 FRANKLIN ST, FERRUM, VA 24088-3276
Transaction Type	Mortgage
Record Updated	Jun 29, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011391944
Date	May 20, 2020
Book Page	1139/1944
Instrument	200003347

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Mar 1, 2050

Interest

Rate	3.12%

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Apr 3, 2018
Property Address	11923 FRANKLIN ST, FERRUM, VA 24088-3276
Document Number	0011061540
Book / Page	001106 / 001540
Instrument Date	Mar 3, 2018
Instrument	2013
Transaction Type	Transfer
Record Updated	Feb 16, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$259.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11923 FRANKLIN ST FERRUM VA 240883276, FERRUM, VA 24088-3276

Mortgage

Document Number	11061543
Date	Apr 3, 2018
Book Page	001106/001543
Instrument	2014

Lender

Name	USAA

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	11923 FRANKLIN ST, FERRUM, VA 24088-3276
Document Number	0010992391
Book / Page	001099 / 002391
Instrument Date	Sep 15, 2017
Transaction Type	Mortgage
Record Updated	Dec 6, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010992391
Date	Oct 27, 2017
Book Page	001099/002391
Instrument	6892

Lender

Name	MEMBER ONE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 26, 2027

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	$1,350.00 (-6.57%)	$314,100 (+32.53%) Land $33,000 Building $281,100	$314,100 (+32.53%) Land $33,000 Building $281,100
2023	$1,445.00	$237,000 (-) Land $26,000 Building $211,000	$237,000 (-) Land $26,000 Building $211,000
2022		$237,000 Land $26,000 Building $211,000	$237,000 Land $26,000 Building $211,000

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	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 15 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

Cell Coverage

5G and 4G LTE (outdoors only)

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