6645 Franklin St, Ferrum, VA 24088 Property Records

Franklin County property record for 6645 Franklin St, Ferrum, VA 24088

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,675 sqft · built 1970
Lot Size	1.15 acres (50,094 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Feb 2021)
Tax Bill	$1,072 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`081 01-025 00`

Property Details

APN / Parcel Number

Primary APN	`081 01-025 00`
Alternative APN	`25506`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,675 sqft Living Area
Gross Area	2,755 sqft
1st Floor Area	1,651 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1986
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	50,094 sqft (1.15 acres)
Terrain	Rolling
Garage Area	624 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	356 sqft
Patio Area	100 sqft
Balcony Area	24 sqft
Shed	1 Shed
Shed Area	240 sqft
Gazebo	Gazebo

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	25506
Street Address	6645 FRANKLIN ST
City	FERRUM
State	VA
Zip	24088-4337
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NZ
Legal Description	H S BOWLES LOTS 35-44
Legal Subdivision	H S BOWLES
Legal Lot Number	35-44
Jurisdiction	FRANKLIN VA
Township / Civil Division	BLUE RIDGE
Census Block Group	1
Census Block	1046
Census Tract	20701

Owner

Source: Franklin County records, as of June 19, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	6645 FRANKLIN ST, FERRUM, VA 24088-4337
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF BOTETOURT
Feb 26, 2021	Deed, Transfer · Conventional Mortgage BANK OF BOTETOURT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2021 · Amount on Record
Deed Sale	Feb 26, 2021 · Amount on Record
Deed Document Number	20211859
Deed Book / Page	1157 / 2439
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	6645 FRANKLIN ST, FERRUM, VA 24088-4337
Transaction Type	Mortgage
Record Updated	Jun 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011851422
Date	Jun 6, 2022
Book Page	1185/1422
Instrument	220004440

Lender

Name	BANK OF BOTETOURT
Type	Bank
Address	TROUTVILLE, VA 24175

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 27, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Feb 26, 2021
Property Address	6645 FRANKLIN ST, FERRUM, VA 24088-4337
Document Number	0011572439
Book / Page	1157 / 2439
Map Reference	MB 2 PG 175
Instrument Date	Jan 28, 2021
Instrument	210001859
Transaction Type	Transfer
Record Updated	Nov 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$185.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6645 FRANKLIN ST, FERRUM, VA 24088-4337

Mortgage

Document Number	210001860
Date	Feb 26, 2021
Instrument	210001860

Lender

Name	BANK OF BOTETOURT
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 5, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Apr 5, 2026
Change Frequency	Annually
Min Rate At Change	3%
Index	Other
Max Rate	10.5%

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of June 19, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Franklin County
Unified School District	Franklin County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,072.00 (+21.68%)	$249,500 (+72.66%) Land $28,500 Building $221,000	$249,500 (+72.66%) Land $28,500 Building $221,000
2023	$881.00	$144,500 (-) Land $21,500 Building $123,000	$144,500 (-) Land $21,500 Building $123,000
2022		$144,500 Land $21,500 Building $123,000	$144,500 Land $21,500 Building $123,000

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, 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.

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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 35 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

Cell Coverage

5G (outdoors only) and 4G LTE

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