409 Thomas St, Franklin, VA 23851 Property Records

Franklin City property record for 409 Thomas St, Franklin, VA 23851

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,545 sqft · built 1948
Lot Size	0.173 acres (7,536 sqft)
Owner	Company Name on Record
Last Sale	$75,000 (Jan 2026)
Tax Bill	$1,119 (2026)
Deeds & Mortgages	Apr 2024 Mortgage Jun 2013 Line of Credit + 1 more
APN	`137 080 6 17,18`

Property Details

APN / Parcel Number

Primary APN	`137 080 6 17,18`
Alternative APN	`546`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,545 sqft Living Area
Gross Area	1,635 sqft
1st Floor Area	1,544 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1979
Architectural Style	Duplex Single
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,536 sqft (0.173 acres)
Terrain	Wooded
Porch	Slab
Porch Area	90 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	546
Street Address	409 THOMAS ST
City	FRANKLIN
State	VA
Zip	23851-2611
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Legal Description	LOTS 17 18 THOMAS STREET 409 411 THOMAS STREET 137-(080)-BLK 6-17 18
Legal Subdivision	CITY OF FRANKLIN
Legal Block	6-17
Legal Lot Number	17
Jurisdiction	FRANKLIN CITY VA
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2018
Census Tract	90200

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	316 COLONIAL AVE, NORFOLK, VA 23507-2202
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2024	Deed of Trust, Mortgage · Commercial Mortgage BRONCO FEDERAL CREDIT UNION
Jun 12, 2013	Deed of Trust, Mortgage · Line of Credit BRONCO FEDERAL CREDIT UNI
Sep 15, 2006	Quit Claim Deed, Transfer · Conventional Mortgage NEW CENTURY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 16, 2026 · Amount on Record
Deed Sale	Jan 16, 2026 · Amount on Record
Deed Document Number	2026152
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY VA
Property Address	409 THOMAS ST, FRANKLIN, VA 23851-2611
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240000763
Date	Apr 2, 2024
Instrument	240000763

Lender

Name	BRONCO FEDERAL CREDIT UNION

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Apr 5, 2029

Interest

Rate Type	Fixed Rate
Change Frequency	7 Years

June 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY VA
Property Address	409 THOMAS ST, FRANKLIN, VA 23851-2611
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01300/1612
Date	Jun 12, 2013
Book Page	1300/1612

Lender

Name	BRONCO FEDERAL CREDIT UNI

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2006: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN CITY VA
Recording Date	Sep 15, 2006
Property Address	409 THOMAS ST, FRANKLIN, VA 23851-2611
Document Number	00600/4617
Book / Page	600 / 4617
Transaction Type	Transfer
Record Updated	Apr 23, 2026

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006004618
Date	Sep 15, 2006
Instrument	600/4618

Lender

Name	NEW CENTURY MORTGAGE CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$1,119.00 (+36.3%)	$108,600 (+36.09%) Land $16,500 Building $92,100	$108,600 (+36.09%) Land $16,500 Building $92,100
2025	$821.00	$79,800 (+51.71%) Land $16,500 Building $63,300	$79,800 (+51.71%) Land $16,500 Building $63,300
2023		$52,600 Land $8,300 Building $44,300	$52,600 Land $8,300 Building $44,300

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 · 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	1 in force
Nearby Flood Claims	3 (2003–2010)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Feb 2010 · 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.

Wildfire

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

Wildfire Risk	Low lower than 97% of the US · lower than 98.4% 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 325 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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