820 Clay St, Franklin, VA 23851 Property Records

Franklin City property record for 820 Clay St, Franklin, VA 23851

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,956 sqft · built 1935
Lot Size	0.465 acres (20,255 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Nov 2022)
Tax Bill	$3,121 (2026)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Nov 2022 Sale & Mortgage + 1 more
APN	`089 033 B 5`

Property Details

APN / Parcel Number

Primary APN	`089 033 B 5`
Alternative APN	`864`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,956 sqft Living Area
Gross Area	2,557 sqft
1st Floor Area	1,914 sqft
Basement Area	144 sqft
Unfinished Basement	144 sqft
Flooring	Softwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1988
Exterior Material	Aluminum Siding
Construction Type	Wood
Foundation Type	Brick
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	20,255 sqft (0.465 acres)
Lot Dimensions	270 ft deep x 75 ft wide
Terrain	Rolling
Garage Type	Detached
Garage Area	576 sqft
Driveway	Concrete Driveway
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	409 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	864
Street Address	820 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 58 59 60 CAMP ANNEX CLAY ST 089-(033)-BLK B-5
Legal Block	B-5
Legal Lot Number	58
Jurisdiction	FRANKLIN CITY VA
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2014
Census Tract	90100

Owner

820 Clay St is owned and occupied by two individuals who bought it in November 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	820 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
Jun 15, 2023	Warranty Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC
Nov 21, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 22, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2022 · Amount on File
Deed Sale	Nov 21, 2022 · Amount on File
Prior Sale	Mar 9, 2015 · Amount on File
Deed Document Number	20223090
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN CITY VA
Recording Date	Jun 15, 2023
Property Address	820 CLAY ST, FRANKLIN, VA 23851-1304
Document Number	0230001273
Instrument Date	Jun 12, 2023
Instrument	230001273
Transaction Type	Transfer
Record Updated	Aug 16, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

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	820 CLAY ST, FRANKLIN, VA 23851-1304

Mortgage

Document Number	0230001274
Date	Jun 15, 2023
Instrument	230001274

Lender

Name	SOUTHERN TRUST MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN CITY VA
Recording Date	Nov 21, 2022
Property Address	820 CLAY ST, FRANKLIN, VA 23851-1304
Document Number	0220003090
Instrument Date	Nov 15, 2022
Instrument	220003090
Transaction Type	Transfer
Record Updated	Jan 4, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

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	820 CLAY ST, FRANKLIN, VA 23851-1304

Mortgage

Document Number	0220003091
Date	Nov 21, 2022
Instrument	220003091

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	352 Months
Due	Mar 1, 2052

Interest

Rate Type	Fixed Rate

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN CITY VA
Recording Date	Jun 22, 2022
Property Address	820 CLAY ST, FRANKLIN, VA 23851-1304
Document Number	0220001779
Instrument Date	Jun 16, 2022
Instrument	220001779
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount 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	820 CLAY ST, FRANKLIN, VA 23851-1304

Tax Assessment & Valuation

The 2026 property tax bill for 820 Clay St was $3,121, up 32.4% 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	$3,121.00 (+32.41%)	$302,978 (+32.36%) Land $48,000 Building $254,978	$302,978 (+32.36%) Land $48,000 Building $254,978
2025	$2,357.00	$228,900 Land $48,000 Building $180,900	$228,900 Land $48,000 Building $180,900
2023		$190,800 (-) Land $50,200 Building $140,600	$190,800 (-) Land $50,200 Building $140,600
2022		$190,800 Land $50,200 Building $140,600	$190,800 Land $50,200 Building $140,600
2019	$1,664.00

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 820 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 820 Clay 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 82 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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