323 Clay St, Franklin, VA 23851 Property Records

Franklin City property record for 323 Clay St, Franklin, VA 23851

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,240 sqft · built 1913
Lot Size	0.503 acres (21,911 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Jun 2017)
Tax Bill	$3,271 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Jan 2021 Refinance + 1 more
APN	`106 048 3 3`

Property Details

APN / Parcel Number

Primary APN	`106 048 3 3`
Alternative APN	`1124`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,240 sqft Living Area
Gross Area	3,889 sqft
1st Floor Area	1,502 sqft
Flooring	Softwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1980
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,911 sqft (0.503 acres)
Lot Dimensions	300 ft deep x 73 ft wide
Terrain	Wooded
Garage Type	Detached
Garage Area	384 sqft
Driveway	Concrete Driveway
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	981 sqft
Patio Area	420 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1124
Street Address	323 CLAY ST
City	FRANKLIN
State	VA
Zip	23851-1811
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT CLAY ST 106-(048)-BLK 3-3
Legal Block	3-3
Jurisdiction	FRANKLIN CITY VA
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1023
Census Tract	90100

Historic Designation

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

Historic District	Within the Franklin Historic District listed 1985 · 225 contributing resources · NRIS 85000988

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

Owner

323 Clay St is owned and occupied by an individual who bought it in June 2017.

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

Owner of Record	Individual Name on File
Mailing Address	323 CLAY ST, FRANKLIN, VA 23851-1811
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
Mar 25, 2026	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL NETWORK INC
Jan 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CARRINGTON MORTGAGE SERVICES LLC
Jun 2, 2017	Warranty Deed, Transfer · VA Mortgage TIDEWATER HOME FUNDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2017 · Amount on File
Deed Sale	Jun 2, 2017 · Amount on File
Deed Document Number	20171353
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY VA
Property Address	323 CLAY ST, FRANKLIN, VA 23851-1811
Transaction Type	Mortgage
Record Updated	Apr 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 CLAY ST, FRANKLIN, VA 23851-1811

Mortgage

Document Number	0260000841
Date	Mar 25, 2026
Instrument	260000841

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.75%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY VA
Property Address	323 CLAY ST, FRANKLIN, VA 23851-1811
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210000281
Date	Jan 27, 2021
Instrument	210000281

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	358 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN CITY VA
Recording Date	Jun 2, 2017
Property Address	323 CLAY ST, FRANKLIN, VA 23851-1811
Document Number	0170001353
Instrument Date	May 31, 2017
Instrument	170001353
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	ATTORNEY ONLY, 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	323 CLAY ST, FRANKLIN, VA 23851-1811

Mortgage

Document Number	0170001354
Date	Jun 2, 2017
Instrument	170001354

Lender

Name	TIDEWATER HOME FUNDING LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 323 Clay St was $3,271, up 1.6% 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	$3,271.00 (+1.58%)	$317,620 (+1.57%) Land $47,000 Building $270,620	$317,620 (+1.57%) Land $47,000 Building $270,620
2025	$3,220.00	$312,700 Land $47,000 Building $265,700	$312,700 Land $47,000 Building $265,700
2023		$245,100 Land $42,300 Building $202,800	$245,100 Land $42,300 Building $202,800
2019	$2,095.00

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 323 Clay St; 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 323 Clay St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 97.5% of Virginia
Wildfire Likelihood	Under 0.01% 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 350 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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