28325 Monroe Rd, Franklin, VA 23851 Property Records

Southampton County property record for 28325 Monroe Rd, Franklin, VA 23851

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,708 sqft · built 1993
Lot Size	1.56 acres (68,259 sqft)
Owner	Individual Name on Record
Tax Bill	$2,306 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Oct 2023 Refinance + 1 more
Flood Zone	Zone X (moderate risk)
APN	`92 39F`

Property Details

APN / Parcel Number

Primary APN	`92 39F`
Alternative APN	`707106537`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,708 sqft Living Area
Gross Area	3,908 sqft
1st Floor Area	1,708 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	68,259 sqft (1.56 acres)
View / Lot	River
Garage Area	768 sqft
Driveway	Concrete Driveway
Driveway Area	396 sqft
Porch	Slab
Porch Area	108 sqft
Patio Area	384 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Propane
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	707106537
Street Address	28325 MONROE RD
City	FRANKLIN
State	VA
Zip	23851-4903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	SECTION A (1.486 AC.) & SECTION B (.081 AC.)LT 4
Legal Lot Number	4
Jurisdiction	SOUTHAMPTON VA
Township / Civil Division	NEWSOMS
Census Block Group	1
Census Block	1057
Census Tract	200401

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	28325 MONROE RD, FRANKLIN, VA 23851-4903
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2026	Deed of Trust, Mortgage · Line of Credit LANGLEY FCU
Oct 27, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance LANGLEY FEDERAL CREDIT UNION
Jul 12, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LANGLEY FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2003
Deed Sale	Dec 2, 2003
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOUTHAMPTON VA
Property Address	28325 MONROE RD, FRANKLIN, VA 23851-4903
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0260000650
Date	Mar 6, 2026
Instrument	260000650

Lender

Name	LANGLEY FCU
Type	Credit Union
Address	NEWPORT NEWS, VA 23612

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	264 Months
Due	Mar 5, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOUTHAMPTON VA
Property Address	28325 MONROE RD, FRANKLIN, VA 23851-4903
Transaction Type	Mortgage
Record Updated	Jan 3, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230002339
Date	Oct 27, 2023
Instrument	230002339

Lender

Name	LANGLEY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	84 Months
Due	Oct 20, 2030

Interest

Rate Type	Adjustable Rate

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOUTHAMPTON VA
Property Address	28325 MONROE RD, FRANKLIN, VA 23851-4903
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210002056
Date	Jul 12, 2021
Instrument	210002056

Lender

Name	LANGLEY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	83 Months
Due	Jun 11, 2028

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$2,306.00 (+26.36%)	$324,800 (+58.36%) Land $53,000 Building $271,800	$324,800 (+58.36%) Land $53,000 Building $271,800
2023	$1,825.00	$205,100 Land $36,700 Building $168,400	$205,100 Land $36,700 Building $168,400

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

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 27 policies
Nearby Flood Policies	27 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	0.02% annual chance
Exposure	Direct burnable vegetation

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	NOTTOWAY GARDENS private · serves 200 people · EPA ID VA3175520
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	6 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

4G LTE only, no 5G reported

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