808 Clay St, Franklin, VA 23851 Property Records

Franklin City property record for 808 Clay St, Franklin, VA 23851

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,014 sqft · built 1928
Lot Size	0.817 acres (35,589 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Oct 2018)
Tax Bill	$3,888 (2026)
Deeds & Mortgages	Jan 2023 Second Mortgage Oct 2019 Mortgage + 2 more
APN	`089 033 C 11`

Property Details

APN / Parcel Number

Primary APN	`089 033 C 11`
Alternative APN	`249`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,014 sqft Living Area
Gross Area	5,458 sqft
1st Floor Area	3,484 sqft
Basement Area	1,188 sqft
Unfinished Basement	1,188 sqft
Flooring	Softwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1966
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Brick
Roof Type	Gambrel
Roof Material	Composition Shingle
Lot Area	35,589 sqft (0.817 acres)
Lot Dimensions	296 ft deep x 120 ft wide
Terrain	Rolling
Garage Type	Detached
Garage Area	520 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	220 sqft
Deck Area	Deck Area
Patio Area	848 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	249
Street Address	808 CLAY ST
City	FRANKLIN
State	VA
Zip	23851-1304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RO
Legal Description	LOTS 21 22 23 24 CLAY ST 089-(033)-BLK C-11
Legal Subdivision	CITY OF FRANKLIN
Legal Block	C-11
Legal Lot Number	21
Jurisdiction	FRANKLIN CITY VA
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2014
Census Tract	90100

Owner

808 Clay St is owned and occupied by an individual who bought it in October 2018.

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

Owner of Record	Individual Name on File
Mailing Address	808 CLAY ST, FRANKLIN, VA 23851-1304
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
Jan 6, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Oct 3, 2019	Deed of Trust, Mortgage · FHA Mortgage JFQ LENDING INC
Oct 26, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance JFQ LENDING INC
Oct 30, 2018	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2018 · Amount on File
Deed Sale	Oct 30, 2018 · Amount on File
Deed Document Number	20182556
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY VA
Property Address	808 CLAY ST, FRANKLIN, VA 23851-1304
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230000027
Date	Jan 6, 2023
Instrument	230000027

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	334 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY VA
Property Address	808 CLAY ST, FRANKLIN, VA 23851-1304
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190002140
Date	Oct 3, 2019
Instrument	190002140

Lender

Name	JFQ LENDING INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY VA
Property Address	808 CLAY ST, FRANKLIN, VA 23851-1304
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200002632
Date	Oct 26, 2020
Instrument	200002632

Lender

Name	JFQ LENDING INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN CITY VA
Recording Date	Oct 30, 2018
Property Address	808 CLAY ST, FRANKLIN, VA 23851-1304
Document Number	0180002556
Instrument Date	Oct 29, 2018
Instrument	180002556
Transaction Type	Transfer
Record Updated	Dec 28, 2021
Title Company	VIRGINIA HOME TITLE AND SETTLEMENT, VIRGINIA HOME TITLE&STLMNTS

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	808 CLAY ST, FRANKLIN, VA 23851-1304

Mortgage

Document Number	0180002557
Date	Oct 30, 2018
Instrument	180002557

Lender

Name	BROKER SOLUTIONS INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 808 Clay St was $3,888, up 17.3% 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	$3,888.00 (+17.29%)	$377,450 (+17.26%) Land $58,000 Building $319,450	$377,450 (+17.26%) Land $58,000 Building $319,450
2025	$3,315.00	$321,900 Land $58,000 Building $263,900	$321,900 Land $58,000 Building $263,900
2023		$279,100 Land $72,600 Building $206,500	$279,100 Land $72,600 Building $206,500
2019	$2,788.00

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 808 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 808 Clay St is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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