1304 Clay St, Franklin, VA 23851 Property Records

Franklin City property record for 1304 Clay St, Franklin, VA 23851 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,956 sqft · built 1956
Lot Size	0.666 acres (29,011 sqft)
Owner	Individual Name on File
Last Sale	$183,000 (Jul 2008)
Tax Bill	$2,976 (2025)
Deeds & Mortgages	Nov 2023 Refinance
APN	`087 023 10`

Property Details

APN / Parcel Number

Primary APN	`087 023 10`
Alternative APN	`260`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,956 sqft Living Area
Gross Area	2,559 sqft
1st Floor Area	1,956 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1984
Exterior Material	Brick
Construction Type	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	29,011 sqft (0.666 acres)
Lot Dimensions	290 ft deep x 100 ft wide
Terrain	Wooded
Garage Area	576 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	27 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	260
Street Address	1304 CLAY ST
City	FRANKLIN
State	VA
Zip	23851-2702
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 J L CAMP EST PLAT CLAY ST 087-(023)-10
Legal Lot Number	10
Jurisdiction	FRANKLIN CITY VA
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2036
Census Tract	90100

Owner

Source: Franklin City records · APN 087 023 10

Assessment roll updated April 23, 2026 · Last verified May 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 File
Mailing Address	1304 CLAY ST, FRANKLIN, VA 23851-2702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 01, 2008 · Amount on Record
Deed Sale	Jul 01, 2008 · Amount on Record
Prior Sale	Apr 23, 2008 · Amount on Record
Deed Book / Page	800 / 2354
Record Updated	Jun 08, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY VA
Property Address	1304 CLAY ST, FRANKLIN, VA 23851-2702
Transaction Type	Mortgage
Record Updated	Jan 03, 2024
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230002496
Date	Nov 15, 2023
Instrument	230002496

Lender

Name	MAGNOLIA BANK INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2053

Interest

Rate Type	Fixed Rate
Rate	6.88%

Tax Assessment & Valuation

Source: Franklin City records · Assessment roll updated April 23, 2026 · Last verified May 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,976.00	$289,000 (+37.42%) Land $60,000 Building $229,000	$289,000 (+37.42%) Land $60,000 Building $229,000
2023		$210,300 Land $44,700 Building $165,600	$210,300 Land $44,700 Building $165,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 516200901002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Not on file
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	9 (1992–2011)
Claims Outside the SFHA	3 of 9
Most Recent Claim	Aug 2011, river or lake flooding, Hurricane Irene
Claims By Storm	Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 5,882 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 183 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.