Isle Of Wight County property record for 31332 Willow Ln, Franklin, VA 23851
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,507 sqft · built 1983 |
| Lot Size | 8.59 acres (374,180 sqft) |
| Owner | Individual Name on File |
| Last Sale | $237,500 (Jan 2016) |
| Tax Bill | $3,737 (2026) |
| Deeds & Mortgages | Apr 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 65-01-019D |
| Primary APN | 65-01-019D |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,507 sqft Living Area |
| 1st Floor Area | 3,655 sqft |
| Basement Area | 1,148 sqft |
| Unfinished Basement | 1,148 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 374,180 sqft (8.59 acres) |
| Garage Type | Built-in |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating Fuel | Oil |
| Street Address | 31332 WILLOW LN |
|---|---|
| City | FRANKLIN |
| State | VA |
| Zip | 23851-4072 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RAC |
| Legal Description | PT MARTHA JOYNER CUTCHINS PROP PLAT 2-111-8 |
| Legal Subdivision | DONALD R LIGHT AND JO ELLEN W LIGHT |
| Jurisdiction | ISLE OF WIGHT VA |
| Township / Civil Division | CARRSVILLE |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 280400 |
31332 Willow Ln is owned and occupied by an individual who bought it in January 2016.
Source: Isle Of Wight County records, as of September 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 31332 WILLOW LN, FRANKLIN, VA 23851-4072 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 5, 2016 · Amount on File |
| Deed Sale | Jan 5, 2016 · Amount on File |
| Prior Sale | Jul 17, 2015 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLE OF WIGHT VA |
| Property Address | 31332 WILLOW LN, FRANKLIN, VA 23851-4072 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2025 |
| Name | Verified Name |
|---|---|
| Address | 31332 WILLOW LN, FRANKLIN, VA 23851-4072 |
| Document Number | 0250001457 |
|---|---|
| Date | Apr 11, 2025 |
| Instrument | 250001457 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Apr 15, 2065 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 31332 Willow Ln was $3,737, up 4.5% from the year before.
Source: Isle Of Wight County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Isle Of Wight County |
| Unified School District | Isle of Wight County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,737.00 (+4.53%) | $461,400 (-) Land $73,000 Building $388,400 | $461,400 (-) Land $73,000 Building $388,400 |
| 2025 | $3,575.00 | $461,400 Land $73,000 Building $388,400 | $461,400 Land $73,000 Building $388,400 |
| 2023 | $461,400 Land $73,000 Building $388,400 | $461,400 Land $73,000 Building $388,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 31332 Willow Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective January 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 13 (1999–2016) |
| Most Recent Claim | Oct 2016 · Hurricane Matthew |
| Claims by Event |
|
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 risk around 31332 Willow Ln is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 54% 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.
Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Starlink Satellite | 280 / 30 |
5G (outdoors only) and 4G LTE
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