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Franklin › ALL OTHERS AREA 67 › 322 Clay St✓ Source: REIN MLS #10650495 · record updated Aug 22, 2026 · synced every 2 min · your inquiry is never resold
322 Clay ST, FRANKLIN VA 23851 - Main photo
322 Clay ST, FRANKLIN VA 23851 - Photo 2
322 Clay ST, FRANKLIN VA 23851 - Photo 3
322 Clay ST, FRANKLIN VA 23851 - Photo 4
322 Clay ST, FRANKLIN VA 23851 - Photo 5
$299,900
$149 / sqft · est. $1,756/mo →
4beds
3baths
2,010sqft
0days on market

322 Clay St, Franklin, VA 23851

New ListingResidential · built 1918 · ALL OTHERS AREA 67

Facts & features

Type

Residential

Year built

1918

Price / sqft

$149

HOA

None

Taxes

$1,344/yr

County

Franklin VA

MLS #

10650495

Interior

Bedrooms
4
Full baths
3
Approx. sqft
2,010
Stories
2
Flooring
Carpet, Laminate/LVP
Ensuite bedrooms
1
First-floor bed & full bath
Yes
Total rooms
6
Other rooms
1st Floor BR, Attic, PBR with Bath, Porch, Sun Room, Utility Room
Appliances
Dishwasher, Dryer Hookup, Microwave, Elec Range, Refrigerator, Washer Hookup
Equipment
Ceiling Fan

Construction & exterior

Style
Traditional
Subtype
Detached
Foundation
Crawl
Roof
Asphalt Shingle
Exterior
Vinyl
Pool
No Pool

Utilities & systems

Heating
Forced Hot Air
Cooling
Central Air
Water heater
Electric
Water
City/County
Sewer
City/County

Lot, parking & ownership

Lot size
0.1400
Subdivision
ALL OTHERS AREA 67
Zoning
R2
Ownership
Fee Simple
Garage
No
Parking
Driveway Spc, Street
Possession
SETTLE
Disclosures
Disclosure Statement

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

About this home

Come See this Beautiful 4 Bedroom 3 Bath Home in Franklin. New Kitchen with Soft Close Cabinets, Quartz Countertops and Stainless Steel Appliances. All New Flooring throughout with LVP and Plush Carpeting. Updated Bathrooms. Laundry Room and Sunroom. New Roof, New HVAC, New Water Heater and New Fixtures. Call Today for a Tour. Welcome Home!

Listing courtesy of Lisa Sinibaldi · Swell Real Estate Co · REIN MLS #10650495

VaHome team overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · LPT Realty

At a glance

Built in 1918, 322 Clay Street brings over a century of character to Franklin, Virginia — four bedrooms, three baths, and 2,010 square feet of historic residential space in a small city where life moves at a comfortable, human pace.

Read the full overview ↓

Why this home stands out

A home built in 1918 has earned its bones. At 322 Clay Street, you're getting a four-bedroom, three-bath layout with 2,010 square feet shaped by an era when rooms were built to last. Franklin is a tight-knit, walkable small city, and Clay Street sits inside it — not on the outskirts — which means everyday errands, neighbors, and community life are genuinely close at hand.

ALL OTHERS AREA 67 and the Franklin real estate market

Franklin, Virginia is a small independent city in the western corner of Hampton Roads, sitting along the Blackwater River with a downtown core that still functions the way downtowns were meant to — local businesses, a courthouse, a library, and familiar faces. The city covers a compact footprint, which means nothing feels far. Clay Street itself is a residential address in an established part of town where the tree canopy is mature and the housing stock reflects decades of real community investment. Franklin homes for sale in this part of the city tend to attract buyers who want genuine neighborhood texture over subdivision uniformity. Southampton County wraps around the city limits, giving Franklin residents access to rural landscapes just minutes from the urban center. If you value a slower, more grounded pace of daily life without sacrificing access to the broader Hampton Roads region, Franklin has a quiet case to make.

What's nearby

Franklin's downtown is within easy reach of Clay Street, putting grocery options, pharmacies, and local dining close by. The Paul D. Camp Community College campus is nearby for continuing education or community events. The Blackwater River offers outdoor recreation including fishing and paddling just outside the city core. US-58 connects Franklin westward toward Suffolk and eastward toward the Outer Banks corridor, making regional travel straightforward. Joint Staff J7 Suffolk is approximately 39 minutes by car — a manageable commute for service members stationed there.

For different buyers

For military families relocating

Service members assigned to Joint Staff J7 Suffolk face roughly a 39-minute drive from Clay Street — long enough to feel like a real commute, short enough to be workable. Franklin's cost of living is lower than most of Hampton Roads, and a VA loan can make a century-old four-bedroom home like this one surprisingly accessible for a military family looking to put down real roots.

For buyers drawn to character

If you've been scrolling past vinyl-sided new construction wondering where the houses with actual history went, 322 Clay Street is worth a look. Built in 1918, this four-bedroom home carries the proportions and craftsmanship of an era that prioritized permanence. Franklin's established streetscapes and mature trees give the whole block a sense of place that newer subdivisions simply can't manufacture.

More buyer questions

How far is 322 Clay Street from Joint Staff J7 Suffolk?

The drive from 322 Clay Street to Joint Staff J7 Suffolk is approximately 39 minutes under typical conditions, heading northeast via US-58. Service members should factor in peak-hour traffic when planning a daily commute.

What is the flood zone status for 322 Clay Street in Franklin?

Flood zone designation for 322 Clay Street is addressed in the FloodRisk tile on this page. Franklin does have areas near the Blackwater River that carry flood considerations, so reviewing that tile and speaking with your insurance agent is recommended.

Is there an HOA at 322 Clay Street?

There is no HOA associated with 322 Clay Street, which means no monthly association fees or deed restriction overlays beyond the City of Franklin's standard municipal codes.

What is the property type and lot situation at 322 Clay Street?

322 Clay Street is a single-family residential property built in 1918, offering 2,010 square feet across four bedrooms and three baths. Specific lot dimensions are available in the full property data on this page.

Can a VA loan be used to purchase a historic home like 322 Clay Street?

Yes — a VA loan can be used on older homes, though the property will need to meet VA minimum property requirements during the appraisal process. A lender experienced with VA loans can walk you through what to expect for a home of this age.

Tom and Dariya Milan at LPT Realty know Franklin and the broader Hampton Roads market well — reach out to get honest, local insight on 322 Clay Street and what it could mean for your next chapter.

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

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

Franklin$250K – $345K4+ 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

$1,756/mo

Principal & interest

$1,556

Property tax

$112

Home insurance

$87

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

Price context — similar nearby homes

$70,000 – $305,000

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.

322 Clay ST · 0 mi · 2,010 sqft$70,000 sold 2026-02
504 Cameron ST · 0.1 mi · 2,100 sqft$299,000 sold 2026-02
303 W Second AVE · 0.2 mi · 2,183 sqft$165,000 sold 2026-04

Sale & Tax History

List Price

$299,900

Price / Sq Ft

$149

Annual Taxes

$1,344

Monthly Tax

$112

HOA

None

Tax Rate (effective)

0.45%

Sale Timeline (this listing)

EventDatePriceDetail
ListedAug 22, 2026$299,900—
Currently listed—$299,900—

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.

Market tempo

0 days on market — read it in context

Days on market reflects pricing, season, and inventory — compare it against similar nearby homes below before reading anything into it.

Questions buyers ask

Is 322 Clay 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 322 Clay 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 322 Clay St have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 322 Clay St built?+
It was built in 1918, 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

LPT Realty · Hampton Roads · answer their own phone

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

Listing courtesy of Lisa Sinibaldi · Swell Real Estate Co · REIN MLS #10650495

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.

322 Clay St, Franklin — photo

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

Call or text (757) 777-7577

322 Clay St, Franklin, Virginia 23851 · MLS #10650495 · 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.

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