Franklin County property record for 5609 Franklin St, Ferrum, VA 24088
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,125 sqft · built 1951 |
| Lot Size | 0.683 acres (29,751 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $242,000 (Aug 2026) |
| Tax Bill | $588 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Apr 2026 Sale & Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 081 02-012 00 |
| Primary APN | 081 02-012 00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,125 sqft Living Area |
| Gross Area | 1,452 sqft |
| 1st Floor Area | 1,125 sqft |
| Basement Area | 281 sqft |
| Unfinished Basement | 281 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Paneling |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 29,751 sqft (0.683 acres) |
| Terrain | Rolling |
| Porch | Slab |
| Porch Area | 160 sqft |
| Deck Area | 167 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 25587 |
|---|---|
| Street Address | 5609 FRANKLIN ST |
| City | FERRUM |
| State | VA |
| Zip | 24088-4269 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NZ |
| Legal Description | RT 40 WEST LOTS 67-69 & PT 70 |
| Legal Subdivision | S M CHITWOOD SUBDIVISION |
| Legal Lot Number | 67-69 |
| Jurisdiction | FRANKLIN VA |
| Township / Civil Division | BLUE RIDGE |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 20701 |
Source: Franklin County records, as of September 15, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5609 FRANKLIN ST, FERRUM, VA 24088-4269 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 13, 2026 | Deed, Transfer · FHA Mortgage SWBC MORTGAGE CORPORATION |
| Apr 17, 2026 | Deed, Transfer · Construction Mortgage CREATIVE FINANCIAL SOLUTIONS |
| Apr 17, 2026 | Deed, Construction Loan · Construction Mortgage CREATIVE FINANCIAL SOLUTIONS |
| May 26, 2021 | Deed, Transfer · FHA Mortgage CELEBRITY HOME LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 13, 2026 · Amount on Record |
| Deed Sale | Aug 13, 2026 · Amount on Record |
| Prior Sale | Apr 17, 2026 · Amount on Record |
| Deed Document Number | 20265326 |
| Deed Book / Page | 1248 / 2414 |
| Prior Transfer Date | Apr 24, 2021 |
| Prior Transfer Doc | 0011631806 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Recording Date | Aug 13, 2026 |
| Property Address | 5609 FRANKLIN ST, FERRUM, VA 24088-4269 |
| Document Number | 0000005326 |
| Book / Page | 1248 / 2414 |
| Instrument Date | Aug 5, 2026 |
| Instrument | 20265326 |
| Transaction Type | Transfer |
| Record Updated | Sep 4, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $24,442.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5609 FRANKLIN ST, FERRUM, VA 24088-4269 |
| Document Number | 0000005327, |
|---|---|
| Date | Aug 13, 2026 |
| Instrument | 20265327 |
| Name | SWBC MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Recording Date | Apr 17, 2026 |
| Property Address | 5609 FRANKLIN ST, FERRUM, VA 24088-4269 |
| Document Number | 0000002437 |
| Book / Page | 1244 / 264 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 2026.2437 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $13,635.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 801 LOST MOUNTAIN RD, WIRTZ, VA 24184-4504 |
| Investor | Possibly a Property Investor |
| Document Number | 0000002438, |
|---|---|
| Date | Apr 17, 2026 |
| Instrument | 2026..2438 |
| Name | CREATIVE FINANCIAL SOLUTIONS |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 1, 2027 |
| Rate Type | Balloon |
|---|---|
| Rate | 6% |
| Initial Type | Balloon |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Recording Date | Apr 17, 2026 |
| Property Address | 5609 FRANKLIN ST, FERRUM, VA 24088-4269 |
| Document Number | 0012440264 |
| Book / Page | 1244 / 264 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 20262437 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 27, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $13,635.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 801 LOST MOUNTAIN RD, WIRTZ, VA 24184-4504 |
| Investor | Possibly a Property Investor |
| Document Number | 0000002438, |
|---|---|
| Date | Apr 17, 2026 |
| Instrument | 20262438 |
| Name | CREATIVE FINANCIAL SOLUTIONS |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 1, 2027 |
| Rate Type | Balloon |
|---|---|
| Initial Type | Balloon |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Recording Date | May 26, 2021 |
| Property Address | 5609 FRANKLIN ST, FERRUM, VA 24088-4269 |
| Document Number | 0011631806 |
| Book / Page | 1163 / 1806 |
| Map Reference | MB 1 PG 31 |
| Instrument Date | Apr 24, 2021 |
| Instrument | 210004989 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2022 |
| Title Company | ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $138.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5609 FRANKLIN ST, ROCKY MOUNT, VA 24151 |
| Document Number | 0011631812 |
|---|---|
| Date | May 26, 2021 |
| Book Page | 1163/1812 |
| Instrument | 210004990 |
| Name | CELEBRITY HOME LOANS LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | VILLA PARK, IL 60181 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
Source: Franklin County assessment roll, as of September 15, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Franklin County |
| Unified School District | Franklin County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $588.00 (+32.73%) | $136,900 (+88.31%) Land $26,000 Building $110,900 | $136,900 (+88.31%) Land $26,000 Building $110,900 |
| 2023 | $443.00 | $72,700 (-) Land $21,000 Building $51,700 | $72,700 (-) Land $21,000 Building $51,700 |
| 2022 | $72,700 Land $21,000 Building $51,700 | $72,700 Land $21,000 Building $51,700 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective January 6, 2010
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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