19660 Franklin St, Ferrum, VA 24088 Property Records

Franklin County property record for 19660 Franklin St, Ferrum, VA 24088

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,064 sqft · built 1992
Lot Size	6.36 acres (277,347 sqft)
Owner	Individual Name on Record
Last Sale	$117,000 (Oct 2023)
Tax Bill	$503 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`098 00-044 00`

Property Details

APN / Parcel Number

Primary APN	`098 00-044 00`
Alternative APN	`28283`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,064 sqft Living Area
Gross Area	1,640 sqft
1st Floor Area	1,064 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2005
Architectural Style	Mobile Home
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	277,347 sqft (6.36 acres)
Terrain	Steep
Garage Area	960 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Deck Area	288 sqft
Shed	1 Shed
Shed Area	128 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	28283
Street Address	19660 FRANKLIN ST
City	FERRUM
State	VA
Zip	24088-3086
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	NZ
Legal Description	HURDS BRANCH RT 40
Legal Subdivision	HURDS BRANC
Jurisdiction	FRANKLIN VA
Township / Civil Division	BLUE RIDGE
Census Block Group	4
Census Block	4035
Census Tract	20600

Owner

Source: Franklin County records, as of October 16, 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	19660 FRANKLIN ST, FERRUM, VA 24088-3086
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 10, 2023	Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2023 · Amount on Record
Deed Sale	Oct 10, 2023 · Amount on Record
Deed Document Number	20235994
Deed Book / Page	1205 / 124
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	19660 FRANKLIN ST, FERRUM, VA 24088-3086
Transaction Type	Mortgage
Record Updated	Oct 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19660 FRANKLIN ST, CHARITY, VA 24088-3086

Mortgage

Document Number	0012350761
Date	Sep 29, 2025
Book Page	1235/761
Instrument	250006331

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	343 Months
Due	Apr 1, 2054

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Oct 10, 2023
Property Address	19660 FRANKLIN ST, FERRUM, VA 24088-3086
Document Number	0012050124
Book / Page	1205 / 124
Map Reference	MB 511 PG 715
Instrument Date	Oct 4, 2023
Instrument	230005994
Transaction Type	Transfer
Record Updated	Nov 7, 2023
Title Company	FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$58.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19660 FRANKLIN ST, FERRUM, VA 24088-3086

Mortgage

Document Number	0012050127
Date	Oct 10, 2023
Book Page	1205/127
Instrument	230005995

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of September 15, 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	$503.00 (+62.78%)	$117,200 (+49.87%) Land $34,700 Building $82,500	$117,200 (+49.87%) Land $34,700 Building $82,500
2023	$309.00	$78,200 (+54.24%) Land $27,700 Building $50,500	$78,200 (+54.24%) Land $27,700 Building $50,500
2022		$50,700 Land $27,700 Building $23,000	$50,700 Land $27,700 Building $23,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 3 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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