3 Ridge Rd, Franklin, VA 23851 Property Records

Franklin City property record for 3 Ridge Rd, Franklin, VA 23851

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,429 sqft · built 1988
Lot Size	0.954 acres (41,556 sqft)
Owner	Individual Name on File
Last Sale	$418,000 (Jul 2022)
Tax Bill	$5,157 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Nov 2017 Sale & Mortgage
APN	`088 175 2`

Property Details

APN / Parcel Number

Primary APN	`088 175 2`
Alternative APN	`1914`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,429 sqft Living Area
Gross Area	5,567 sqft
1st Floor Area	3,429 sqft
Attic	Attic
Attic Area	364 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2010
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	41,556 sqft (0.954 acres)
Terrain	Wooded
Garage Area	364 sqft
Parking Spaces	1 Parking Space
Porch	Patio
Porch Area	385 sqft
Deck Area	532 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	1914
Street Address	3 RIDGE RD
City	FRANKLIN
State	VA
Zip	23851-1856
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RO
Legal Description	LOT 2 !!!!THE MEADOW!!!! RIDGE RD 088-(175)-2
Legal Subdivision	THE MEADOW
Legal Lot Number	2
Jurisdiction	FRANKLIN CITY VA
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1047
Census Tract	90100

Owner

3 Ridge Rd is owned and occupied by an individual who bought it in July 2022.

Source: Franklin City records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	3 RIDGE RD, FRANKLIN, VA 23851-1856
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
Jul 29, 2022	Warranty Deed, Transfer · ARM TIDEWATER HOME FUNDING LLC
Nov 17, 2017	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2022 · Amount on File
Deed Sale	Jul 29, 2022 · Amount on File
Prior Sale	Nov 17, 2017 · Amount on File
Deed Document Number	20222091
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN CITY VA
Recording Date	Jul 29, 2022
Property Address	3 RIDGE RD, FRANKLIN, VA 23851-1856
Document Number	0220002091
Instrument Date	May 5, 2022
Instrument	220002091
Transaction Type	Transfer
Record Updated	Dec 19, 2022
Title Company	LAND TITLE AND ABSTRACT INC, ADVANCE TITLE & ABSTRACT INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	3 RIDGE RD, FRANKLIN, VA 23851-1856

Mortgage

Document Number	0220002092
Date	Jul 29, 2022
Instrument	220002092

Lender

Name	TIDEWATER HOME FUNDING LLC

Agreement

Type	ARM
Amount	Amount on Record
Term	57 Months
Due	Apr 5, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	5 Years

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN CITY VA
Recording Date	Nov 17, 2017
Property Address	3 RIDGE RD, FRANKLIN, VA 23851-1856
Document Number	0170002817
Instrument Date	Nov 15, 2017
Instrument	170002817
Transaction Type	Transfer
Record Updated	Dec 19, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	3 RIDGE RD, FRANKLIN, VA 23851-1856

Mortgage

Document Number	0170002818
Date	Nov 17, 2017
Instrument	170002818

Lender

Name	QUICKEN LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 3 Ridge Rd was $5,157, up 6.2% from the year before.

Source: Franklin City assessment roll, as of April 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,157.00 (+6.18%)	$500,654 (+6.16%) Land $58,000 Building $442,654	$500,654 (+6.16%) Land $58,000 Building $442,654
2025	$4,857.00	$471,600 Land $58,000 Building $413,600	$471,600 Land $58,000 Building $413,600
2023		$367,200 Land $57,300 Building $309,900	$367,200 Land $57,300 Building $309,900
2019	$3,064.00

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 3 Ridge Rd; there have been 39 flood claims nearby since 1980.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 33 policies
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

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 3 Ridge Rd is low, with a 0.02% annual chance of 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	None beyond 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 FRANKLIN serves 9,000 people · EPA ID VA3620350
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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