Franklin City property record for 1405 Clay St, Franklin, VA 23851 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,327 sqft · built 2007 |
| Lot Size | 0.559 acres (24,350 sqft) |
| Owner | Individual Name on File |
| Last Sale | $283,000 (Jan 2010) |
| Tax Bill | $4,545 (2025) |
| Deeds & Mortgages | Nov 2023 Refinance |
| APN | 087 021 3D |
| Primary APN | 087 021 3D |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,327 sqft Living Area |
| Gross Area | 4,045 sqft |
| 1st Floor Area | 3,012 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 24,350 sqft (0.559 acres) |
| Terrain | Wooded |
| Garage Area | 630 sqft |
| Driveway | Concrete Driveway |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 88 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3271 |
|---|---|
| Street Address | 1405 CLAY ST |
| City | FRANKLIN |
| State | VA |
| Zip | 23851-2703 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 SARAH V CUTCHINS EST CLAY STREET 087-(021)-3D |
| Legal Subdivision | SARAH V CUTCHINS ESTATE |
| Legal Lot Number | 4 |
| Jurisdiction | FRANKLIN CITY VA |
| Township / Civil Division | FRANKLIN |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 90100 |
Source: Franklin City records · APN 087 021 3D
Assessment roll updated April 23, 2026 · Last verified June 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 | 1405 CLAY ST, FRANKLIN, VA 23851-2703 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 15, 2010 · Amount on Record |
| Deed Sale | Jan 15, 2010 · Amount on Record |
| Deed Book / Page | 1000 / 758 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN CITY VA |
| Property Address | 1405 CLAY ST, FRANKLIN, VA 23851-2703 |
| Transaction Type | Mortgage |
| Record Updated | Jan 03, 2024 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0230002511 |
|---|---|
| Date | Nov 17, 2023 |
| Instrument | 230002511 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2053 |
| Rate Type | Fixed Rate |
|---|
Source: Franklin City records · Assessment roll updated April 23, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Franklin City |
| Unified School District | Franklin City Public Schools (PK - 12) |
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 | $4,545.00 (+71.25%) | $441,300 (+33%) Land $60,000 Building $381,300 | $441,300 (+33%) Land $60,000 Building $381,300 |
| 2023 | $331,800 Land $41,600 Building $290,200 | $331,800 Land $41,600 Building $290,200 | |
| 2019 | $2,654.00 |
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
| 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 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.
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.
5G and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures