905 Clay St, Franklin, VA 23851 Property Records

Franklin City property record for 905 Clay St, Franklin, VA 23851

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,790 sqft · built 1957
Lot Size	0.459 acres (19,994 sqft)
Owner	Individual Name on File
Last Sale	$267,000 (Jun 2021)
Tax Bill	$3,578 (2026)
Deeds & Mortgages	Nov 2020 Refinance Jun 2021 Sale & Mortgage + 1 more
APN	`089 032 9`

Property Details

APN / Parcel Number

Primary APN	`089 032 9`
Alternative APN	`2343`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,790 sqft Living Area
Gross Area	6,384 sqft
1st Floor Area	3,790 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1997
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,994 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Terrain	Wooded
Driveway	Brick Driveway
Porch	Patio
Porch Area	408 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	2343
Street Address	905 CLAY ST
City	FRANKLIN
State	VA
Zip	23851-1306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RO
Legal Description	LOT 9 CAMP HOME PLACE CLAY ST 089-(032)-9
Legal Subdivision	J L CAM HOME PLACE
Legal Lot Number	9
Jurisdiction	FRANKLIN CITY VA
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1047
Census Tract	90100

Owner

905 Clay St is owned and occupied by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Mailing Address	905 CLAY ST, FRANKLIN, VA 23851-1306
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
Nov 25, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LAKEVIEW LOAN SERVICING LLC
Jun 14, 2021	Warranty Deed, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK
Apr 5, 2017	Warranty Deed, Transfer · VA Mortgage WEST TOWN BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2021 · Amount on File
Deed Sale	Jun 14, 2021 · Amount on File
Prior Sale	Apr 5, 2017 · Amount on File
Deed Document Number	20211771
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY VA
Property Address	905 CLAY ST, FRANKLIN, VA 23851-1306
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200002932
Date	Nov 25, 2020
Instrument	200002932

Lender

Name	LAKEVIEW LOAN SERVICING LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN CITY VA
Recording Date	Jun 14, 2021
Property Address	905 CLAY ST, FRANKLIN, VA 23851-1306
Document Number	210001771
Instrument Date	May 21, 2021
Instrument	210001771
Transaction Type	Transfer
Record Updated	Jul 21, 2021
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	905 CLAY ST, FRANKLIN, VA 23851-1306

Mortgage

Document Number	210001772
Date	Jun 14, 2021
Instrument	210001772

Lender

Name	THE FEDERAL SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN CITY VA
Recording Date	Apr 5, 2017
Property Address	905 CLAY ST, FRANKLIN, VA 23851-1306
Document Number	0170000878
Instrument Date	Mar 23, 2017
Instrument	170000878
Transaction Type	Transfer
Record Updated	Dec 28, 2021
Title Company	DIVERSITY TITLE AND ESCROW COMPANY, LIBERTY TITLE & ESCROW CO

Transaction

Amount	Amount 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	905 CLAY ST, FRANKLIN, VA 23851-1306

Mortgage

Document Number	0170000879
Date	Apr 5, 2017
Instrument	170000879

Lender

Name	WEST TOWN BANK & TRUST

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 905 Clay St was $3,578, up 0.9% 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	$3,578.00 (+0.87%)	$347,352 (+0.86%) Land $48,000 Building $299,352	$347,352 (+0.86%) Land $48,000 Building $299,352
2025	$3,547.00	$344,400 Land $48,000 Building $296,400	$344,400 Land $48,000 Building $296,400
2023		$268,900 Land $55,000 Building $213,900	$268,900 Land $55,000 Building $213,900
2019	$2,527.00

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 905 Clay St; there have been 39 flood claims nearby since 1980.

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

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 33 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	39 (1980–2024)
Claims Outside the SFHA	11 of 39
Most Recent Claim	Sep 2024 · other causes

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 905 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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