508 Clay St, Franklin, VA 23851 Property Records

Franklin City property record for 508 Clay St, Franklin, VA 23851

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,426 sqft · built 1910
Lot Size	0.193 acres (8,407 sqft)
Owner	Individual Name on File
Last Sale	$265,650 (Jun 2022)
Tax Bill	$2,424 (2026)
Deeds & Mortgages	Jan 2022 Refinance Jun 2022 Sale & Mortgage
APN	`106 048 6 49`

Property Details

APN / Parcel Number

Primary APN	`106 048 6 49`
Alternative APN	`2357`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,426 sqft Living Area
Gross Area	3,209 sqft
1st Floor Area	2,048 sqft
Basement Area	378 sqft
Finished Basement	378 sqft
Unfinished Basement	378 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1959
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Brick
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	8,407 sqft (0.193 acres)
Lot Dimensions	140 ft deep x 60 ft wide
Terrain	Wooded
Garage Type	Detached
Garage Area	352 sqft
Driveway	Concrete Driveway
Parking Spaces	3 Parking Spaces
Porch	Patio
Porch Area	408 sqft
Deck Area	199 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	2357
Street Address	508 CLAY ST
City	FRANKLIN
State	VA
Zip	23851-1819
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 48 CLAY ST 106-(048)-BLK 6-49
Legal Subdivision	PHYSICAL SURVEY
Legal Block	6-49
Legal Lot Number	48
Jurisdiction	FRANKLIN CITY VA
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2028
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

508 Clay St is owned and occupied by an individual who bought it in June 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	508 CLAY ST, FRANKLIN, VA 23851-1819
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Jun 2, 2022	Special Warranty Deed, Transfer · VA Mortgage USAA FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2022 · Amount on File
Deed Sale	Jun 2, 2022 · Amount on File
Prior Sale	May 22, 2014
Deed Document Number	20221607
Transfer Doc	01400/1646
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY VA
Property Address	508 CLAY ST, FRANKLIN, VA 23851-1819
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220000199
Date	Jan 24, 2022
Instrument	220000199

Lender

Name	BANK OF AMERICA NA

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2037

Interest

Rate Type	Fixed Rate

June 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FRANKLIN CITY VA
Recording Date	Jun 2, 2022
Property Address	508 CLAY ST, FRANKLIN, VA 23851-1819
Document Number	0220001607
Instrument Date	May 24, 2022
Instrument	220001607
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	508 CLAY ST, FRANKLIN, VA 23851-1819

Mortgage

Document Number	0220001608
Date	Jun 2, 2022
Instrument	220001608

Lender

Name	USAA FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	356 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 508 Clay St was $2,424, down 2.1% 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	$2,424.00 (-2.06%)	$235,360 (-2.06%) Land $25,000 Building $210,360	$235,360 (-2.06%) Land $25,000 Building $210,360
2025	$2,475.00	$240,300 Land $25,000 Building $215,300	$240,300 Land $25,000 Building $215,300
2023		$158,700 Land $18,500 Building $140,200	$158,700 Land $18,500 Building $140,200
2019	$1,246.00

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 508 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 508 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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