404 Clay St, Franklin, VA 23851 Property Records

Franklin City property record for 404 Clay St, Franklin, VA 23851

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,224 sqft · built 1918
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Sep 2026)
Tax Bill	$3,311 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Nov 2021 Sale & Mortgage
APN	`106 048 5 6`

Property Details

APN / Parcel Number

Primary APN	`106 048 5 6`
Alternative APN	`868`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,224 sqft Living Area
Gross Area	2,590 sqft
1st Floor Area	1,680 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1982
Exterior Material	Vinyl
Construction Type	Concrete
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	145 ft deep x 60 ft wide
Terrain	Wooded
Porch	Slab
Porch Area	222 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	868
Street Address	404 CLAY ST
City	FRANKLIN
State	VA
Zip	23851-1817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 1 CLAY ST 106-(048)-BLK 5-6
Legal Block	5-6
Legal Lot Number	1
Jurisdiction	FRANKLIN CITY VA
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2041
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

404 Clay St is owned and occupied by an individual who bought it in September 2026.

Source: Franklin City records, as of September 29, 2026

Owner of Record	Individual Name on File
Mailing Address	404 CLAY ST, FRANKLIN, VA 23851-1817
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Sep 21, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage NETX MORTGAGE LLC
Nov 22, 2021	Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2026 · Amount on File
Deed Sale	Sep 21, 2026 · Amount on File
Prior Sale	Nov 22, 2021 · Amount on File
Deed Document Number	20262574
Record Updated	Oct 29, 2026

September 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FRANKLIN CITY VA
Recording Date	Sep 21, 2026
Property Address	404 CLAY ST, FRANKLIN, VA 23851-1817
Document Number	0000002574
Instrument Date	Sep 11, 2026
Instrument	20262574
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$30,300.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 CLAY ST, FRANKLIN, VA 23851-1817

Mortgage

Document Number	0000002575,
Date	Sep 21, 2026
Instrument	20262575

Lender

Name	NETX MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN CITY VA
Recording Date	Nov 22, 2021
Property Address	404 CLAY ST, FRANKLIN, VA 23851-1817
Document Number	0210003626
Instrument Date	Nov 19, 2021
Instrument	210003626
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	404 CLAY ST, FRANKLIN, VA 23851-1817

Mortgage

Document Number	0210003627
Date	Nov 22, 2021
Instrument	210003627

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	298 Months
Due	Sep 1, 2046

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 404 Clay St was $3,311, up 2.2% 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	$3,311.00 (+2.19%)	$321,420 (+2.17%) Land $28,000 Building $293,420	$321,420 (+2.17%) Land $28,000 Building $293,420
2025	$3,240.00	$314,600 Land $28,000 Building $286,600	$314,600 Land $28,000 Building $286,600
2023		$235,800 Land $19,100 Building $216,700	$235,800 Land $19,100 Building $216,700
2019	$1,300.00

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 404 Clay St; there have been 9 flood claims nearby since 1992.

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 9 (5% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	9 (1992–2011)
Claims Outside the SFHA	3 of 9
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 claims

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 404 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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