Richmond City property record for 3408 E Clay St, Richmond, VA 23223
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,800 sqft · built 1916 |
| Lot Size | 0.103 acres (4,487 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $343,200 (May 2024) |
| Tax Bill | $4,224 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage May 2024 Sale & Line of Credit + 2 more |
| APN | E-000-0972-021 |
| Primary APN | E-000-0972-021 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,800 sqft Living Area |
| 1st Floor Area | 900 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1916 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 4,487 sqft (0.103 acres) |
| Lot Dimensions | 150 ft deep x 30 ft wide |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 293 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3408 E CLAY ST |
|---|---|
| City | RICHMOND |
| State | VA |
| Zip | 23223-8136 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-8 URBAN |
| Legal Description | 0030.00X0150.00 0000.000 |
| Legal Subdivision | 1 |
| Jurisdiction | RICHMOND CITY VA |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 20800 |
3408 E Clay St is owned and occupied by two individuals who bought it in May 2024.
Source: Richmond City records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3408 E CLAY ST, RICHMOND, VA 23223-8136 |
| 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.
| Date | Document |
|---|---|
| Jul 15, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MORTGAGE |
| May 1, 2024 | Warranty Deed, Transfer · Line of Credit PARTY III |
| Jan 15, 2019 | Deed of Trust, Mortgage · Conventional Mortgage VIRGINIA CU |
| Dec 14, 2017 | Deed of Trust, Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2024 · Amount on File |
| Deed Sale | May 1, 2024 · Amount on File |
| Prior Sale | Apr 30, 2014 · Amount on File |
| Deed Document Number | 20246756 |
| Prior Transfer Date | Mar 4, 2014 |
| Prior Transfer Doc | 1400007148 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHMOND CITY VA |
| Recording Date | Jul 15, 2026 |
| Property Address | 3408 E CLAY ST, RICHMOND, VA 23223-8136 |
| Document Number | 0000013116 |
| Instrument Date | Jul 10, 2026 |
| Instrument | 202613116 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3408 E CLAY ST, RICHMOND, VA 23223-8136 |
| Document Number | 0000013116, |
|---|---|
| Date | Jul 15, 2026 |
| Instrument | 202613116 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RICHMOND CITY VA |
| Recording Date | May 1, 2024 |
| Property Address | 3408 E CLAY ST, RICHMOND, VA 23223-8136 |
| Document Number | 0000006756 |
| Instrument Date | Apr 11, 2024 |
| Instrument | 240006756 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3408 E CLAY ST, RICHMOND, VA 23223-8136 |
| Document Number | 0000006757 |
|---|---|
| Date | May 1, 2024 |
| Instrument | 240006757 |
| Name | PARTY III |
|---|---|
| Type | Private Party |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 203 Months |
| Due | Apr 3, 2041 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHMOND CITY VA |
| Property Address | 3408 E CLAY ST, RICHMOND, VA 23223-8136 |
| Document Number | 0000001422 |
| Instrument Date | Jan 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2019 |
| Name | Verified Name |
|---|---|
| Address | 3408 E CLAY ST RICHMOND VA 232238136, RICHMOND, VA 23223-8136 |
| Document Number | 0000001422 |
|---|---|
| Date | Jan 24, 2019 |
| Instrument | 1422 |
| Name | VIRGINIA CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 23, 2029 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHMOND CITY VA |
| Property Address | 3408 E CLAY ST, RICHMOND, VA 23223-8136 |
| Document Number | 0000026586 |
| Instrument Date | Dec 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Document Number | 0000026586 |
|---|---|
| Date | Dec 20, 2017 |
| Instrument | 26586 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Dec 19, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.18% |
The 2026 property tax bill for 3408 E Clay St was $4,224, up 3.8% from the year before.
Source: Richmond City assessment roll, as of August 10, 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Richmond City |
| Unified School District | Richmond City Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,224.00 (+3.83%) | $352,000 Land $105,000 Building $247,000 | $352,000 Land $105,000 Building $247,000 |
| 2025 | $4,068.00 | ||
| 2024 | $314,000 Land $85,000 Building $229,000 | ||
| 2023 | $314,000 Land $85,000 Building $229,000 | ||
| 2020 | $20.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 3408 E Clay St; there have been 2 flood claims nearby since 2020.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (2020) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Aug 2020 · rainfall accumulation |
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.
The area around 3408 E Clay St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF RICHMOND serves 233,655 people · EPA ID VA4760100 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2026 |
| Lead | 4 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Organic carbon removal Jul 2020 |
| Monitoring and Reporting | None 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 398 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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