325 Clay St, Franklin, VA 23851 Property Records

Franklin City property record for 325 Clay St, Franklin, VA 23851

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,013 sqft · built 1908
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Jan 2025)
Tax Bill	$2,678 (2026)
Deeds & Mortgages	Apr 2024 Sale Sep 2022 Sale
APN	`106 048 3 1`

Property Details

APN / Parcel Number

Primary APN	`106 048 3 1`
Alternative APN	`2948`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,013 sqft Living Area
Gross Area	2,348 sqft
1st Floor Area	1,370 sqft
Flooring	Softwood
Interior Walls	Plaster

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1959
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Brick
Roof Type	Gable
Roof Material	Metal
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	180 ft deep x 75 ft wide
Terrain	Wooded
Garage Type	Detached
Garage Area	306 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	186 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	2948
Street Address	325 CLAY ST
City	FRANKLIN
State	VA
Zip	23851-1811
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	1 LOT CLAY ST 106-(048)-BLK 3-1
Legal Block	3-1
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

325 Clay St is owned and occupied by two individuals who bought it in January 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	325 CLAY ST, FRANKLIN, VA 23851-1811
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Apr 19, 2024	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Sep 26, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2025 · Amount on File
Deed Sale	Jan 9, 2025 · Amount on File
Prior Sale	Apr 19, 2024 · Amount on File
Deed Document Number	202579
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN CITY VA
Recording Date	Apr 19, 2024
Property Address	325 CLAY ST, FRANKLIN, VA 23851-1811
Document Number	0240000936
Instrument Date	Apr 19, 2024
Instrument	240000936
Transaction Type	Transfer
Record Updated	May 22, 2024
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	2820 BRUNSWICK RD, EMPORIA, VA 23847-7820

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN CITY VA
Recording Date	Sep 26, 2022
Property Address	325 CLAY ST, FRANKLIN, VA 23851-1811
Document Number	0220002594
Instrument Date	Sep 14, 2022
Instrument	220002594
Transaction Type	Transfer
Record Updated	Nov 9, 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	21063 HARRIS RD, FRANKLIN, VA 23851-3855

Tax Assessment & Valuation

The 2026 property tax bill for 325 Clay St was $2,678, up 26.9% 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	$2,678.00 (+26.92%)	$260,042 (+26.91%) Land $31,000 Building $229,042	$260,042 (+26.91%) Land $31,000 Building $229,042
2025	$2,110.00	$204,900 Land $31,000 Building $173,900	$204,900 Land $31,000 Building $173,900
2023		$62,900 Land $20,800 Building $42,100	$62,900 Land $20,800 Building $42,100
2019	$541.00

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 has no flood map on file for 325 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 325 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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