1325 Clay St, Franklin, VA 23851 Property Records

Franklin City property record for 1325 Clay St, Franklin, VA 23851 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,052 sqft · built 1923
Lot Size	0.89 acres (38,768 sqft)
Owner	Individual Name on File
Last Sale	$148,000 (Jul 2017)
Tax Bill	$2,216 (2025)
Deeds & Mortgages	Jan 2022 Refinance Jul 2017 Sale & Mortgage
APN	`087 024 D 6`

Property Details

APN / Parcel Number

Primary APN	`087 024 D 6`
Alternative APN	`141`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,052 sqft Living Area
Gross Area	2,422 sqft
1st Floor Area	2,052 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1963
Exterior Material	Aluminum Siding
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	38,768 sqft (0.89 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	946 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	270 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	141
Street Address	1325 CLAY ST
City	FRANKLIN
State	VA
Zip	23851-2701
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT CLAY ST 087-(024)-BLK D-6
Legal Subdivision	R J LONG PROP
Legal Block	D-6
Jurisdiction	FRANKLIN CITY VA
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1030
Census Tract	90100

Owner

Source: Franklin City records · APN 087 024 D 6

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	1325 CLAY ST, FRANKLIN, VA 23851-2701
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2022	Intrafamily Transfer, Transfer · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC
Jul 17, 2017	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 17, 2017 · Amount on Record
Deed Sale	Jul 17, 2017 · Amount on Record
Prior Sale	Sep 23, 2009 · Amount on Record
Deed Document Number	20171701
Record Updated	Jun 08, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN CITY VA
Recording Date	Jan 20, 2022
Property Address	1325 CLAY ST, FRANKLIN, VA 23851-2701
Document Number	0220000175
Instrument Date	Jan 05, 2022
Instrument	220000175
Transaction Type	Transfer
Record Updated	Sep 06, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1325 CLAY ST, FRANKLIN, VA 23851-2701

Mortgage

Document Number	0220000176
Date	Jan 20, 2022
Instrument	220000176

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2052

Interest

Rate Type	Fixed Rate
Rate	3%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN CITY VA
Recording Date	Jul 17, 2017
Property Address	1325 CLAY ST, FRANKLIN, VA 23851-2701
Document Number	0170001701
Instrument Date	Jul 05, 2017
Instrument	170001701
Transaction Type	Transfer
Record Updated	Sep 06, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

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	1325 CLAY ST, FRANKLIN, VA 23851-2701

Mortgage

Document Number	0170001702
Date	Jul 17, 2017
Instrument	170001702

Lender

Name	CALIBER HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$2,216.00 (+54.75%)	$215,200 (+26.81%) Land $59,000 Building $156,200	$215,200 (+26.81%) Land $59,000 Building $156,200
2023		$169,700 Land $53,500 Building $116,200	$169,700 Land $53,500 Building $116,200
2019	$1,432.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 516200901001, 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
Flood Insurance Cost	Premium on Record median of 33 individual NFIP policies nearby
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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Clay St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures