28316 Mount Horeb Rd, Franklin, VA 23851 Property Records

Southampton County property record for 28316 Mount Horeb Rd, Franklin, VA 23851

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,149 sqft · built 1950
Lot Size	0.13 acres (5,678 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Mar 2024)
Tax Bill	$1,368 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`104 26F`

Property Details

APN / Parcel Number

Primary APN	`104 26F`
Alternative APN	`705241350`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,149 sqft Living Area
Gross Area	1,169 sqft
1st Floor Area	1,072 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1989
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,678 sqft (0.13 acres)
Terrain	Rolling
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	97 sqft
Deck Area	20 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	705241350
Street Address	28316 MOUNT HOREB RD
City	FRANKLIN
State	VA
Zip	23851-4724
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	LOT MONROE BRIDGE MT HOREB CHURCH ROAD
Legal Lot Number	M
Jurisdiction	SOUTHAMPTON VA
Township / Civil Division	NEWSOMS
Census Block Group	1
Census Block	1076
Census Tract	200500

Owner

28316 Mount Horeb Rd is owned and occupied by an individual who bought it in March 2024.

Source: Southampton County records, as of June 5, 2026

Owner of Record	Individual Name on File
Mailing Address	28316 MOUNT HOREB RD, FRANKLIN, VA 23851-4724
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

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
Mar 7, 2024	Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
May 19, 2023	Warranty Deed, Transfer · Commercial Mortgage RICHMOND REHAB FUNDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2024 · Amount on File
Deed Sale	Mar 7, 2024 · Amount on File
Prior Sale	May 19, 2023 · Amount on File
Deed Document Number	2024524
Record Updated	Sep 20, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SOUTHAMPTON VA
Recording Date	Mar 7, 2024
Property Address	28316 MOUNT HOREB RD, FRANKLIN, VA 23851-4724
Document Number	0240000524
Instrument Date	Feb 21, 2024
Instrument	240000524
Transaction Type	Transfer
Record Updated	Apr 24, 2024
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
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	28316 MOUNT HOREB RD, FRANKLIN, VA 23851-4724

Mortgage

Document Number	0240000525
Date	Mar 7, 2024
Instrument	240000525

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2054

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	0240000526
Date	Mar 7, 2024
Instrument	240000526

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Fixed Rate

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SOUTHAMPTON VA
Recording Date	May 19, 2023
Property Address	28316 MOUNT HOREB RD, FRANKLIN, VA 23851-4724
Document Number	0230001094
Instrument Date	May 15, 2023
Instrument	230001094
Transaction Type	Transfer
Record Updated	Jun 21, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount 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	26 TOWN CENTER WAY # 745, 745, HAMPTON, VA 23666-1999
Investor	Possibly a Property Investor

Mortgage

Document Number	0230001095
Date	May 19, 2023
Instrument	230001095

Lender

Name	RICHMOND REHAB FUNDING LLC

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 28316 Mount Horeb Rd was $1,368.

Source: Southampton County assessment roll, as of June 5, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Southampton County
Unified School District	Southampton County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,368.00	$192,800 Land $26,000 Building $166,800	$192,800 Land $26,000 Building $166,800
2023	$530.00	$59,600 Land $16,000 Building $43,600	$59,600 Land $16,000 Building $43,600

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

Flood

FEMA maps place 28316 Mount Horeb Rd in Zone X, an area of minimal flood risk, though there have been 30 flood claims nearby since 1999.

Source: FEMA National Flood Hazard Layer, effective March 16, 2026 · 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
Flood Insurance Cost	Premium on File median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	30 (1999–2016)
Claims Outside the SFHA	2 of 30
Most Recent Claim	Oct 2016 · Hurricane Matthew
Claims by Event	Hurricane Matthew, Oct 2016 · 3 claims Hurricane Isabel, Sep 2003 · 5 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 18 claims

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

Wildfire risk around 28316 Mount Horeb Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 59% of Virginia
Wildfire Likelihood	0.04% 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

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

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