1280 Dry Hill Rd, Ferrum, VA 24088 Property Records

Franklin County property record for 1280 Dry Hill Rd, Ferrum, VA 24088

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,900 sqft · built 2001
Lot Size	16.1 acres (703,581 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Jan 2020)
Tax Bill	$1,247 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Oct 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`095 00-089 00`

Property Details

APN / Parcel Number

Primary APN	`095 00-089 00`
Alternative APN	`28126`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,900 sqft Living Area
Gross Area	2,364 sqft
1st Floor Area	1,900 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2009
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	703,581 sqft (16.1 acres)
Terrain	Rolling
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	464 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	28126
Street Address	1280 DRY HILL RD
City	FERRUM
State	VA
Zip	24088-3347
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NZ
Legal Description	RT 789 TRACT C
Legal Phase	C
Legal Tract	C
Jurisdiction	FRANKLIN VA
Township / Civil Division	BLUE RIDGE
Census Block Group	4
Census Block	4033
Census Tract	20600

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	1280 DRY HILL RD, FERRUM, VA 24088-3347
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 26, 2023	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Nov 9, 2019	Deed of Trust, Mortgage · Conventional with PMI ATLANTIC UNION BK
Feb 14, 2018	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 16, 2020 · Amount on Record
Deed Sale	Jan 16, 2020 · Amount on Record
Prior Sale	Apr 5, 2016 · Amount on Record
Deed Document Number	2020357
Deed Book / Page	1133 / 2077
Prior Transfer Date	Feb 13, 2018
Prior Transfer Doc	00110401679
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	1280 DRY HILL RD, FERRUM, VA 24088-3347
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1280 DRY HILL RD, FERRUM, VA 24088-3347

Mortgage

Document Number	0012402761
Date	Feb 10, 2026
Book Page	1240/2761
Instrument	260000893

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2036

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	1280 DRY HILL RD, FERRUM, VA 24088-3347
Transaction Type	Mortgage
Record Updated	Dec 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1280 DRY HILL RD, FERRUM, VA 24088-3347

Mortgage

Document Number	0012051905
Date	Oct 26, 2023
Book Page	1205/1905
Instrument	230006332

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2033

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	1280 DRY HILL RD, FERRUM, VA 24088-3347
Document Number	0011301506
Instrument Date	Nov 9, 2019
Transaction Type	Mortgage
Record Updated	Dec 24, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1280 DRY HILL RD FERRUM VA 240883347, FERRUM, VA 24088-3347

Mortgage

Document Number	0011301506
Date	Nov 15, 2019
Book Page	001130/001506
Instrument	7433

Lender

Name	ATLANTIC UNION BK

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Nov 14, 2039

Interest

Rate Type	Adjustable Rate

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN VA
Recording Date	Feb 14, 2018
Property Address	1280 DRY HILL RD, FERRUM, VA 24088-3347
Document Number	0011041679
Book / Page	001104 / 001679
Instrument Date	Feb 13, 2018
Instrument	915
Transaction Type	Transfer
Record Updated	Feb 16, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1280 DRY HILL RD FERRUM VA 240883347, FERRUM, VA 24088-3347

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	$1,247.00 (+816.91%)	$290,200 (+49.05%) Land $57,300 Building $232,900	$290,200 (+49.05%) Land $57,300 Building $232,900
2023	$136.00	$194,700 (-) Land $50,300 Building $144,400	$194,700 (-) Land $50,300 Building $144,400
2022		$194,700 Land $50,300 Building $144,400	$194,700 Land $50,300 Building $144,400

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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	0.03% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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