604 N High St, Franklin, VA 23851 Property Records

Franklin City property record for 604 N High St, Franklin, VA 23851

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,367 sqft · built 1910
Lot Size	0.257 acres (11,195 sqft)
Owner	Individual Name on File
Tax Bill	$2,093 (2026)
Deeds & Mortgages	Jul 2020 Refinance Aug 2021 Refinance + 2 more
APN	`106 04812 52`

Property Details

APN / Parcel Number

Primary APN	`106 04812 52`
Alternative APN	`3000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,367 sqft Living Area
Gross Area	2,841 sqft
1st Floor Area	2,178 sqft
Basement Area	422 sqft
Unfinished Basement	422 sqft
Flooring	Softwood
Interior Walls	Plaster

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1959
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Brick
Roof Type	Gable
Roof Material	Metal
Lot Area	11,195 sqft (0.257 acres)
Lot Dimensions	200 ft deep x 56 ft wide
Terrain	Wooded
Garage Type	Detached
Garage Area	260 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	474 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3000
Street Address	604 N HIGH ST
City	FRANKLIN
State	VA
Zip	23851-1424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 52 N HIGH ST 106-(048)-BLK 12-52
Legal Subdivision	MATTHEW A BERNOCCO
Legal Block	12-52
Legal Lot Number	52
Jurisdiction	FRANKLIN CITY VA
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2020
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

604 N High St is owned and occupied by an individual who acquired it in January 2019.

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

Owner of Record	Individual Name on File
Mailing Address	604 N HIGH ST, FRANKLIN, VA 23851-1424
Occupancy	Owner Occupied
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
Jul 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE LLC
Aug 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE LLC
Jan 22, 2019	Deed of Trust, Mortgage · Line of Credit PRIMELENDING
Jan 22, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 9, 2019
Transfer Doc	0000000112
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY VA
Property Address	604 N HIGH ST, FRANKLIN, VA 23851-1424
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200001663
Date	Jul 21, 2020
Instrument	200001663

Lender

Name	CROSSCOUNTRY MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Aug 1, 2030

Interest

Rate Type	Fixed Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY VA
Property Address	604 N HIGH ST, FRANKLIN, VA 23851-1424
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	FIRST SOURCE TITLE AGENCY INC, FIRST SOURCE TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210002468
Date	Aug 16, 2021
Instrument	210002468

Lender

Name	CROSSCOUNTRY MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	120 Months
Due	Aug 1, 2031

Interest

Rate Type	Fixed Rate
Rate	2.38%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY VA
Property Address	604 N HIGH ST, FRANKLIN, VA 23851-1424
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	190000113
Date	Jan 22, 2019
Instrument	190000113

Lender

Name	PRIMELENDING

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate

January 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN CITY VA
Recording Date	Jan 22, 2019
Property Address	604 N HIGH ST, FRANKLIN, VA 23851-1424
Document Number	0190000112
Instrument Date	Jan 9, 2019
Instrument	190000112
Transaction Type	Transfer
Record Updated	Dec 28, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 N HIGH ST, FRANKLIN, VA 23851-1424

Mortgage

Document Number	0190000113
Date	Jan 22, 2019
Instrument	190000113

Lender

Name	PRIMELENDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 604 N High St was $2,093, up 150.1% 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	$2,093.00 (+150.06%)	$203,248 (+15.22%) Land $28,000 Building $175,248	$203,248 (+15.22%) Land $28,000 Building $175,248
2025	$837.00	$176,400 Land $28,000 Building $148,400	$176,400 Land $28,000 Building $148,400
2023		$132,200 Land $19,700 Building $112,500	$132,200 Land $19,700 Building $112,500
2019	$704.00

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 604 N High 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 604 N High St is low, with 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	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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