2405 E Clay St, Richmond, VA 23223 Property Records

Richmond City property record for 2405 E Clay St, Richmond, VA 23223

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,332 sqft · built 2017
Lot Size	0.063 acres (2,744 sqft)
Owner	2 Individual Names on File
Last Sale	$407,500 (May 2017)
Tax Bill	$7,956 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Apr 2020 Mortgage + 1 more
APN	`E-000-0337-003`

Property Details

APN / Parcel Number

Primary APN	`E-000-0337-003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,332 sqft Living Area
1st Floor Area	1,166 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Other
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Flat
Roof Material	Other
Lot Area	2,744 sqft (0.063 acres)
Lot Dimensions	114 ft deep x 24 ft wide
Porch	Slab
Porch Area	113 sqft
Deck Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	2405 E CLAY ST
City	RICHMOND
State	VA
Zip	23223-7109
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-63 MULTI
Legal Description	0024.25X0114.00 0000.000
Jurisdiction	RICHMOND CITY VA
Township / Civil Division	RICHMOND
Census Block Group	2
Census Block	2015
Census Tract	20600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Church Hill North Historic District listed 1997 · 587 contributing resources · NRIS 97000958

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

2405 E Clay St is owned and occupied by two individuals who bought it in May 2017.

Source: Richmond City records, as of August 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2405 E CLAY ST, RICHMOND, VA 23223-7109
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Apr 8, 2020	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
May 15, 2017	Grant Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2017 · Amount on File
Deed Sale	May 15, 2017 · Amount on File
Prior Sale	Dec 5, 2014 · Amount on File
Deed Document Number	20179655
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHMOND CITY VA
Property Address	2405 E CLAY ST, RICHMOND, VA 23223-7109
Transaction Type	Mortgage
Record Updated	Jan 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020134
Date	Dec 10, 2025
Instrument	250020134

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHMOND CITY VA
Property Address	2405 E CLAY ST, RICHMOND, VA 23223-7109
Document Number	0000007719
Instrument Date	Apr 8, 2020
Transaction Type	Mortgage
Record Updated	Apr 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2405 E CLAY ST RICHMOND VA 232237109, RICHMOND, VA 23223-7109

Mortgage

Document Number	0000007719
Date	Apr 13, 2020
Instrument	7719

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 12, 2050

Interest

Rate Type	Fixed Rate

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RICHMOND CITY VA
Recording Date	May 15, 2017
Property Address	2405 E CLAY ST, RICHMOND, VA 23223-7109
Document Number	0000009655
Instrument Date	May 11, 2017
Instrument	9655
Transaction Type	Transfer
Record Updated	May 19, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$407.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2405 E CLAY ST RICHMOND VA 232237109, RICHMOND, VA 23223-7109

Mortgage

Document Number	9656
Date	May 15, 2017
Instrument	9656

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 14, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 2405 E Clay St was $7,956, up 1.8% from the year before.

Source: Richmond City assessment roll, as of August 10, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,956.00 (+1.84%)	$663,000 Land $100,000 Building $563,000	$663,000 Land $100,000 Building $563,000
2025	$7,812.00
2024		$623,000 Land $95,000 Building $528,000
2023			$623,000 Land $95,000 Building $528,000
2020	$20.00

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

Flood

FEMA has no flood map on file for 2405 E Clay St.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 2405 E Clay St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF RICHMOND serves 233,655 people · EPA ID VA4760100
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Organic carbon removal Jul 2020
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 953 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on E Clay St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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