7278 Franklin Ct, Gloucester, VA 23061 Property Records

Gloucester County property record for 7278 Franklin Ct, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,264 sqft · built 1997
Lot Size	0.75 acres (32,670 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,026 (2026)
Deeds & Mortgages	May 2021 Second Mortgage Aug 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`26207`

Property Details

APN / Parcel Number

Primary APN	`26207`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,264 sqft Living Area
1st Floor Area	676 sqft
Basement Area	364 sqft
Finished Basement	364 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Brick Veneer
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	32,670 sqft (0.75 acres)
Garage Area	624 sqft
Deck Area	150 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	7278 FRANKLIN CT
City	GLOUCESTER
State	VA
Zip	23061-5277
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-1
Legal Description	FOUNDERS MILL, SEC II LOT 122
Legal Subdivision	PLAT: PB23 312&312A
Legal Lot Number	122
Jurisdiction	GLOUCESTER VA
Township / Civil Division	WARE
Census Block Group	2
Census Block	2018
Census Tract	100201

Owner

7278 Franklin Ct is owned and occupied by two individuals.

Source: Gloucester County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7278 FRANKLIN CT, GLOUCESTER, VA 23061-5277
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
May 5, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LANGLEY FEDERAL CREDIT UNION
Aug 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LANGLEY FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	7278 FRANKLIN CT, GLOUCESTER, VA 23061-5277
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210003275
Date	May 5, 2021
Instrument	210003275

Lender

Name	LANGLEY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	143 Months
Due	Apr 22, 2033

Interest

Rate Type	Adjustable Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	7278 FRANKLIN CT, GLOUCESTER, VA 23061-5277
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210006067
Date	Aug 24, 2021
Instrument	210006067

Lender

Name	LANGLEY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.99%

Tax Assessment & Valuation

The 2026 property tax bill for 7278 Franklin Ct was $2,026, up 21.2% from the year before.

Source: Gloucester County assessment roll, as of October 27, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,026.00 (+21.24%)	$347,430 (+27.65%) Land $82,800 Building $264,630	$347,430 (+27.65%) Land $82,800 Building $264,630
2025	$1,671.00 (+5.36%)	$272,170 (-) Land $61,200 Building $210,970	$272,170 (-) Land $61,200 Building $210,970
2024	$1,586.00	$272,170 (-) Land $61,200 Building $210,970	$272,170 (-) Land $61,200 Building $210,970
2023	$1,586.00 (+3.73%)	$272,170 (+29.04%) Land $61,200 Building $210,970	$272,170 (+29.04%) Land $61,200 Building $210,970
2022	$1,529.00	$210,920 Land $59,770 Building $151,150	$210,920 Land $59,770 Building $151,150

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 7278 Franklin Ct in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1999.

Source: FEMA National Flood Hazard Layer, effective October 20, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 29 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	19 (1999–2023)
Claims Outside the SFHA	1 of 19
Most Recent Claim	Sep 2023 · river or lake flooding
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 5 claims Hurricane Isabel, Sep 2003 · 11 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 7278 Franklin Ct is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.03% 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 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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