424 Thomas St, Franklin, VA 23851 Property Records

Franklin City property record for 424 Thomas St, Franklin, VA 23851

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 986 sqft · built 1960
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on File
Last Sale	$65,000 (Jun 2021)
Tax Bill	$1,450 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit Dec 2020 Foreclosure
APN	`137 080 7 41,42`

Property Details

APN / Parcel Number

Primary APN	`137 080 7 41,42`
Alternative APN	`1638`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	986 sqft Living Area
Gross Area	1,178 sqft
1st Floor Area	986 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1998
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Terrain	Wooded
Garage Type	Mixed
Garage Area	400 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	112 sqft
Deck Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1638
Street Address	424 THOMAS ST
City	FRANKLIN
State	VA
Zip	23851-2612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOTS 41 42 P R CAMP PLAT 2 THOMAS ST 137-(080)-BLK 7-41 42
Legal Subdivision	PR CAMPS DAIRY FRM
Legal Block	7-41
Legal Lot Number	41
Jurisdiction	FRANKLIN CITY VA
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2017
Census Tract	90200

Owner

424 Thomas St is owned by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	410 THOMAS ST, FRANKLIN, VA 23851-2612
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Dec 18, 2020	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2021 · Amount on File
Deed Sale	Jun 21, 2021 · Amount on File
Prior Sale	Dec 18, 2020 · Amount on File
Deed Document Number	20211835
Prior Transfer Date	Dec 9, 2020
Prior Transfer Doc	0000003170
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY VA
Property Address	424 THOMAS ST, FRANKLIN, VA 23851-2612
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230001955
Date	Sep 11, 2023
Instrument	230001955

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Sep 1, 2063

Interest

Rate Type	Adjustable Rate

December 2020: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	FRANKLIN CITY VA
Recording Date	Dec 18, 2020
Property Address	424 THOMAS ST, FRANKLIN, VA 23851-2612
Document Number	0200003170
Instrument Date	Dec 9, 2020
Instrument	200003170
Transaction Type	Foreclosure
Record Updated	Nov 18, 2025

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3217 DECKER LAKE DR, SOUTH SALT LAKE, UT 84119-3284

Tax Assessment & Valuation

The 2026 property tax bill for 424 Thomas St was $1,450, up 37.7% 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	$1,450.00 (+37.7%)	$140,800 (+37.63%) Land $16,500 Building $124,300	$140,800 (+37.63%) Land $16,500 Building $124,300
2025	$1,053.00	$102,300 Land $16,500 Building $85,800	$102,300 Land $16,500 Building $85,800
2023		$68,100 Land $8,300 Building $59,800	$68,100 Land $8,300 Building $59,800
2019	$629.00

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 424 Thomas St; there have been 3 flood claims nearby since 2003.

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

Wildfire risk around 424 Thomas 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 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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