325 Sawmill Rd, Ferrum, VA 24088 Property Records

Franklin County property record for 325 Sawmill Rd, Ferrum, VA 24088

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,440 sqft · built 1951
Lot Size	4.7 acres (204,819 sqft)
Owner	Individual Name on Record
Tax Bill	$809 (2025)
Deeds & Mortgages	Aug 2020 Line of Credit Nov 2018 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`079 00-074 00`

Property Details

APN / Parcel Number

Primary APN	`079 00-074 00`
Alternative APN	`24847`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
Gross Area	1,698 sqft
1st Floor Area	744 sqft
Basement Area	744 sqft
Unfinished Basement	744 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1975
Exterior Material	Aluminum Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	204,819 sqft (4.7 acres)
Terrain	Rolling
Garage Area	576 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	230 sqft
Deck Area	28 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	24847
Street Address	325 SAWMILL RD
City	FERRUM
State	VA
Zip	24088-2591
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NZ
Legal Description	RT 752
Jurisdiction	FRANKLIN VA
Township / Civil Division	BLUE RIDGE
Census Block Group	4
Census Block	4030
Census Tract	20600

Owner

Source: Franklin County records, as of June 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	325 SAWMILL RD, FERRUM, VA 24088-2591
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2020	Deed of Trust, Mortgage · Line of Credit FREEDOM FIRST FCU
Nov 26, 2018	Deed of Trust, Mortgage · Line of Credit UNION BK&TR
Oct 5, 2018	Deed of Trust, Mortgage · Line of Credit MEMBER ONE FCU
May 31, 2018	Deed of Trust, Mortgage · Line of Credit FREEDOM FIRST FCU
Mar 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage MEMBER ONE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	325 SAWMILL RD, FERRUM, VA 24088-2591
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011440505
Date	Aug 5, 2020
Book Page	1144/505
Instrument	200005538

Lender

Name	FREEDOM FIRST FCU
Type	Credit Union
Address	ROANOKE, VA 24019

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	325 SAWMILL RD, FERRUM, VA 24088-2591
Document Number	0011152929
Instrument Date	Nov 26, 2018
Transaction Type	Mortgage
Record Updated	Dec 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011152929
Date	Dec 5, 2018
Book Page	001115/002929
Instrument	7462

Lender

Name	UNION BK&TR
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	325 SAWMILL RD, FERRUM, VA 24088-2591
Document Number	0011151737
Instrument Date	Oct 5, 2018
Transaction Type	Mortgage
Record Updated	Dec 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011151737
Date	Nov 27, 2018
Book Page	001115/001737
Instrument	7242

Lender

Name	MEMBER ONE FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 26, 2043

Interest

Rate Type	Adjustable Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	325 SAWMILL RD, FERRUM, VA 24088-2591
Document Number	0011090480
Instrument Date	May 31, 2018
Transaction Type	Mortgage
Record Updated	Jul 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011090480
Date	Jun 5, 2018
Book Page	001109/000480
Instrument	3532

Lender

Name	FREEDOM FIRST FCU

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	325 SAWMILL RD, FERRUM, VA 24088-2591
Document Number	0010912752
Book / Page	001091 / 002752
Instrument Date	Mar 11, 2017
Transaction Type	Mortgage
Record Updated	May 10, 2017
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 SAWMILL RD FERRUM VA 240882591, FERRUM, VA 24088-2591

Mortgage

Document Number	0010912752
Date	Apr 24, 2017
Book Page	001091/002752
Instrument	2498

Lender

Name	MEMBER ONE FCU
Type	Credit Union
Address	ROANOKE, VA 24016

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 23, 2027

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of June 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$809.00 (+11.13%)	$188,200 (+57.62%) Land $34,400 Building $153,800	$188,200 (+57.62%) Land $34,400 Building $153,800
2023	$728.00	$119,400 (-) Land $27,400 Building $92,000	$119,400 (-) Land $27,400 Building $92,000
2022		$119,400 Land $27,400 Building $92,000	$119,400 Land $27,400 Building $92,000

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 January 6, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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