868 Otter Dr, Ferrum, VA 24088 Property Records

Franklin County property record for 868 Otter Dr, Ferrum, VA 24088

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,715 sqft · built 2006
Lot Size	12 acres (522,720 sqft)
Owner	Individual Name on Record
Tax Bill	$1,408 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`099 00-018 36`

Property Details

APN / Parcel Number

Primary APN	`099 00-018 36`
Alternative APN	`28448`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,715 sqft Living Area
Gross Area	3,775 sqft
1st Floor Area	2,714 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2013
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	522,720 sqft (12 acres)
Terrain	Rolling
Parking Spaces	2 Parking Spaces
Pool Type	Above-Ground Pool
Deck Area	25 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	28448
Street Address	868 OTTER DR
City	FERRUM
State	VA
Zip	24088-2787
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NZ
Legal Description	OTTER CREEK FARM TRACT 21 SECTION 2
Legal Subdivision	OTTER CREEK FARM
Legal Phase	21
Legal Tract	21
Jurisdiction	FRANKLIN VA
Township / Civil Division	BLUE RIDGE
Census Block Group	2
Census Block	2024
Census Tract	20600

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	868 OTTER DR, FERRUM, VA 24088-2787
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2022	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Oct 5, 2021	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
May 21, 2018	Deed of Trust, Mortgage · FHA Mortgage MERIDIAN HM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	868 OTTER DR, FERRUM, VA 24088-2787
Transaction Type	Mortgage
Record Updated	Aug 9, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	868 OTTER DR, FERRUM, VA 24088-2787

Mortgage

Document Number	0011810286
Date	Mar 17, 2022
Book Page	1181/286
Instrument	220002155

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	136 Months
Due	Jul 1, 2033

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	868 OTTER DR, FERRUM, VA 24088-2787
Transaction Type	Mortgage
Record Updated	Oct 20, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	868 OTTER DR, FERRUM, VA 24088-2787

Mortgage

Document Number	0011712337
Date	Oct 5, 2021
Book Page	1171/2337
Instrument	210009341

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	141 Months
Due	Jul 1, 2033

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	868 OTTER DR, FERRUM, VA 24088-2787
Document Number	0011090468
Instrument Date	May 21, 2018
Transaction Type	Mortgage
Record Updated	Aug 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011090468
Date	Jun 5, 2018
Book Page	001109/000468
Instrument	3531

Lender

Name	MERIDIAN HM MTG
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 4, 2033

Interest

Rate Type	Fixed Rate

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	$1,408.00 (+1.66%)	$327,600 (+44.19%) Land $44,000 Building $283,600	$327,600 (+44.19%) Land $44,000 Building $283,600
2023	$1,385.00	$227,200 (-) Land $37,000 Building $190,200	$227,200 (-) Land $37,000 Building $190,200
2022		$227,200 Land $37,000 Building $190,200	$227,200 Land $37,000 Building $190,200

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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