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FranklinALL OTHERS AREA 671328 Clay Street St✓ Source: REIN MLS #10646939 · record updated Aug 30, 2026 · synced every 2 min · your inquiry is never resold
1328 Clay Street ST, FRANKLIN VA 23851 - Main photo
1328 Clay Street ST, FRANKLIN VA 23851 - Photo 2
1328 Clay Street ST, FRANKLIN VA 23851 - Photo 3
1328 Clay Street ST, FRANKLIN VA 23851 - Photo 4
1328 Clay Street ST, FRANKLIN VA 23851 - Photo 5
3beds
2baths
2,096sqft
29days on market

1328 Clay Street St, Franklin, VA 23851

Under ContractResidential · built 1965 · ALL OTHERS AREA 67

Facts & features

Type

Residential

Year built

1965

Price / sqft

$148

HOA

None

Taxes

$3,357/yr

County

Franklin VA

MLS #

10646939

Interior

Bedrooms
3
Full baths
2
Approx. sqft
2,096
Stories
1
Flooring
Ceramic, Vinyl, Wood
Ensuite bedrooms
1
First-floor bed & full bath
Yes
Total rooms
7
Other rooms
1st Floor BR, 1st Floor Primary BR, Attic, Breakfast Area, Foyer, PBR with Bath, Pantry, Porch, Sun Room
Appliances
Dishwasher, Disposal, Dryer, Elec Range, Refrigerator, Washer
Equipment
Cable Hookup, Ceiling Fan, Gar Door Opener
Accessibility
Handheld Showerhead

Construction & exterior

Style
Ranch
Subtype
Detached
Foundation
Crawl
Roof
Asphalt Shingle
Exterior
Brick
Pool
No Pool

Utilities & systems

Heating
Basebd, Electric, Heat Pump, Programmable Thermostat
Cooling
Central Air, Heat Pump
Water heater
Electric
Water
City/County
Sewer
City/County

Lot, parking & ownership

Lot size
0.5000
Subdivision
ALL OTHERS AREA 67
Zoning
R/O
Ownership
Fee Simple
Garage
Yes
Parking
Garage Att 1 Car, 4 Space, Carport, Driveway Spc
Possession
CLOSING
Disclosures
Disclosure Statement

Sources: REIN MLS record · city assessor · null fields are suppressed, never faked

About this home

Step into this charming, well-kept brick ranch nestled in Franklin, just moments from the hospital, YMCA, and a variety of dining and shopping options. This inviting home features three bedrooms, two full baths, a formal living room, and a separate dining area. The roomy kitchen flows into a breakfast nook and opens to a cozy den complete with custom built-in cabinets and a warm wood-burning fireplace. Right next to the den, you'll find a bright, climate-controlled sunroom to relax or entertain. Need extra storage or potential living space? The fully floored attic provides abundant room to grow. Outside, the thoughtfully designed backyard includes a large carport (with storage). A great use for extra parking or creating an outdoor gathering spot for guests. Don't miss the chance to see this move-in-ready gem—call now to arrange your private tour.

Listing courtesy of Margaret Etheridge · RE/MAX Country to Coast · REIN MLS #10646939

Tom & Dariya's overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · Brokered by LPT Realty

At a glance

1328 Clay Street is a 3-bedroom, 2-bath, 2,096-square-foot home built in 1965 in Franklin, Virginia. It offers solid mid-century bones in a small city with a genuine community feel and easy access to the Blackwater River corridor.

Read the full overview ↓

Why this home stands out

Sixty years of construction history give this home a footprint that newer builds in the same price range rarely match — 2,096 square feet spread across three bedrooms and two full baths. The 1965 vintage means thick walls, generous room proportions, and a lot character that tract construction from the last two decades simply cannot replicate. Franklin is a small city, and Clay Street sits inside it with the kind of quiet, established feel that only comes from a neighborhood that has had decades to settle in.

ALL OTHERS AREA 67 and the Franklin real estate market

Franklin, Virginia is a small independent city tucked into the southeastern corner of the state, bordered by Southampton County and threaded through by the Blackwater River. It has the rhythm of a place where people actually know their neighbors — local diners, a walkable downtown core, and community events that draw the same faces year after year. Clay Street sits in an established residential pocket of the city, surrounded by homes from the same mid-century era that give the streetscape a cohesive, unhurried character. Franklin's size — just over eight thousand residents — means you are never far from anything, but you are also never stuck in the kind of congestion that defines larger Hampton Roads cities. US-58 runs through the city and connects you west toward Suffolk and east toward Emporia in under an hour, making Franklin a genuine crossroads for this corner of Virginia.

What's nearby

Day-to-day errands are straightforward from Clay Street. Downtown Franklin is within a short drive and carries the essentials: local restaurants, a pharmacy, and the kind of small-business retail that keeps money in the community. The Blackwater River — one of the most scenic waterways in southeastern Virginia — is close enough for kayaking, fishing, and wildlife watching. Paul D. Camp Community College sits right in the city. For larger shopping runs, the US-58 corridor connects you to Suffolk in roughly 40 minutes, where you'll find big-box retail, additional dining, and medical facilities that serve the broader region.

For different buyers

For military families relocating

Joint Staff J7 Suffolk is about 41 minutes from Clay Street — a commute that many service members in this corner of Virginia consider workable, especially when the trade-off is a 2,096-square-foot home with room to spread out. Franklin's cost of living tends to stretch a BAH allowance further than larger Hampton Roads cities, and a VA loan can make the path to ownership here a straightforward one for eligible buyers.

For buyers drawn to character

If you have been comparing newer construction and keep finding yourself drawn back to homes with real room proportions and walls that feel solid, 1328 Clay Street deserves a look. A 1965 build in an established Franklin neighborhood means original mid-century scale — generous living areas, distinct rooms instead of open-plan everything, and a streetscape of mature trees and homes that have been here long enough to belong.

More buyer questions

How far is 1328 Clay Street from Joint Staff J7 Suffolk?

The drive from Clay Street to Joint Staff J7 in Suffolk runs approximately 41 minutes under normal conditions via US-58 East. Traffic in this corridor is generally light compared to the I-64 routes serving the larger Hampton Roads bases.

What is the flood zone status for 1328 Clay Street?

Flood zone information for this address is covered in the dedicated FloodRisk tile on this page, which pulls current FEMA map data. Given Franklin's proximity to the Blackwater River, reviewing that tile carefully is worthwhile before making a decision.

Is there a homeowners association at 1328 Clay Street?

Based on available information, there is no HOA associated with this property, which means no monthly association dues or deed restrictions beyond standard city ordinances.

What are the lot and structural basics at this address?

The home was built in 1965 and offers 2,096 square feet of living space across three bedrooms and two full baths. It is a residential property in the city of Franklin, Virginia 23851.

Can a VA loan be used to purchase a home like 1328 Clay Street?

Yes — a VA loan can be used on eligible residential properties in Franklin, Virginia, and this home's property type and age generally fall within VA appraisal guidelines. Connecting with a lender experienced in VA financing is the best first step for eligible buyers.

Tom and Dariya Milan at LPT Realty know Franklin and the surrounding Southampton County market well. Reach out to get honest, local guidance on 1328 Clay Street.

Summary generated by AI from public records and publicly available information.

Homes like this one sell fast — see the next one first

Franklin$260K – $360K3+ beds

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Schools

VaHome School Score

Our own 1–10 rating, scored from Virginia Department of Education data.

  • ElementaryS.P. Morton Elementary
  • MiddleJoseph P. King Jr. Middle
  • HighFranklin

VaHome School Score — calculated by VaHome.com from Virginia Department of Education assessment, progress, and attendance data. Attendance zones come from the MLS listing record; confirm the current zone with the school division before making an offer.

Flood & environment

FEMA flood zone X · outside the high-risk area · FIRM 510060

Flood Risk

Looking up FEMA flood zone…

Hurricane Evacuation Zone

Not in a designated hurricane evacuation zone.

Source: Virginia Dept. of Emergency Management — Know Your Zone

Location intelligence

Minutes to real places, not a score

Location & Neighborhood

Places within ~1 mile, ordered by distance from this property. Powered by Google Places.

Military Commute

Drive times to nearest bases

Drive times via Google Maps with current traffic patterns. Times are typical and may vary by time of day. Use the "Analyze" button up top to see live drive time to your saved base.

The numbers

Run the real carrying cost

Estimates only — taxes come from the public record; confirm rates with your lender. VA-eligible buyers: $0-down financing may apply.

Estimate your monthly payment

$1,979/mo

Principal & interest

$1,609

Property tax

$280

Home insurance

$90

PMI

None

HOA/Condo (paid separately)

None

Estimate only. Association (HOA/condo) fees are paid separately and are not included in the payment above. Insurance assumed at 0.35% of home value annually. Actual taxes, insurance, and rate will vary by lender, credit, and property. Contact a lender for a personalized quote.

Value & history

Judge value on real ground

Asking vs. assessment

95% of $325,900

City assessment record · taxes $3,357/yr

Land share of assessed value

18% — $60,000

Improvements $265,900 · assessor record ✓

Price context — similar nearby homes

$290,000$350,000

The 6 most similar homes nearby (same city, within ~20% of this size, ~2.5 mi; 6 sold). Context for judging the asking price — not an appraisal or an estimate of this home's value.

387 N College DR · 0.3 mi · 2,145 sqft$350,000 sold 2026-06
209 Robinhood RD · 0.2 mi · 2,344 sqft$344,800 sold 2026-02
104 Hunterdale RD · 0.2 mi · 1,832 sqft$290,000 sold 2026-02

Own a home nearby? See what it is worth today — What's your Franklin home worth?

Sale & Tax History

List Price

$310,000

Price / Sq Ft

$148

Annual Taxes

$3,357

Monthly Tax

$280

HOA

None

Tax Rate (effective)

1.08%

Sale Timeline (this listing)

EventDatePriceDetail
ListedAug 1, 2026$310,000
Currently listed$310,000

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

Asking near assessment

Total Assessed

$325,900

Land

$60,000

Improvement

$265,900

Looking for multi-year tax assessments or prior sales? REIN MLS only ships data for the current listing. For full property history, check the city assessor record:

Franklin Assessor (Google)

Tax data above from REIN public-records sync. Sale timeline tracked from this listing's first appearance in our feed forward; prior owner sales are not included.

Comparable Properties

Comps are selected by city, bed count, square footage and price proximity. Composite similarity score weights bed match, sqft variance, price variance, and straight-line distance.

Questions buyers ask

Is 1328 Clay Street St in a good school zone?+
The assigned zones on the listing record are S.P. Morton Elementary, Joseph P. King Jr. Middle, Franklin. School attendance zones can change — always confirm enrollment with the local school division.
Is 1328 Clay Street St in a flood zone?+
FEMA maps this parcel in Zone X, outside the high-risk Special Flood Hazard Area. See the flood section on this page for details and sources.
Does 1328 Clay Street St have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 1328 Clay Street St built?+
It was built in 1965, per the listing record.

Answers generated from the listing record, verified school zones, FEMA data, and cached nearby-places data — never invented.

The people

You'll talk to a person, not a lead queue

TD

Tom & Dariya Milan

Brokered by LPT Realty · Hampton Roads · answer their own phone

✓ Your inquiry goes to Tom & Dariya — never sold to strangers

Listing courtesy of Margaret Etheridge · RE/MAX Country to Coast · REIN MLS #10646939

Call or text (757) 777-7577

Ask Dariya — instant answers

Schools, flood, drive times, what it really costs to own — answered from this page's data, by chat or voice.

Schedule a private tour

Free, no obligation — your inquiry goes to Tom & Dariya, never resold.

1328 Clay Street St, Franklin — photo

See it in person — the record only says so much.

Call or text (757) 777-7577

1328 Clay Street St, Franklin, Virginia 23851 · MLS #10646939 · Source: REIN MLS + public record. Information deemed reliable but not guaranteed — verify independently. School zones subject to change; confirm with the local school division. All locations are described by neutral geographic fact. Equal Housing Opportunity.