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Franklin › ALL OTHERS AREA 67 › 322 Clay St✓ Source: REIN MLS #10650495 · record updated Sep 16, 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
4beds
3baths
2,010sqft
25days on market

322 Clay St, Franklin, VA 23851

ActiveResidential · built 1918 · ALL OTHERS AREA 67

Facts & features

Type

Residential

Year built

1918

Price / sqft

$144

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 · city assessor · 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

Tom & Dariya's overview

Our read on this home

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

At a glance

Meet 322 Clay Street in Franklin—a four-bedroom, three-bath home built in 1918 with 2,010 square feet of character and space. You're on a walkable block close to restaurants, coffee shops, and the riverfront. This is the kind of address that anchors Franklin homes for sale with genuine bones and room to grow.

Keep searching in Franklin

See all Franklin homes for sale. Browse every listing among homes for sale in Franklin — updated from the REIN MLS every few minutes.

Read the full overview ↓

Why this home stands out

Built over a century ago, this home carries the craftsmanship and solid structure of early-20th-century construction. Four bedrooms and three full baths give you flexibility—a home office, guest room, or growing space. The lot sits in a neighborhood where you can walk to meals and coffee without fuss. Storage and layout work for people who want substance over trend.

ALL OTHERS AREA 67 and the Franklin real estate market

Franklin's downtown core has the feel of a place where neighbors know the street. ALL OTHERS AREA 67 sits within walking distance of local restaurants, independent coffee spots, and the city's riverfront parks. The neighborhood mixes older homes with tree-lined blocks and a genuine sense of community. Franklin itself is a small city with roots—the Peanut City, known for its heritage and river character. Getting around is straightforward: most errands are walkable or a short drive. The city sits about 30 minutes from larger employment centers, making it a quiet choice for anyone comparing homes for sale in Franklin who values small-town living without total isolation.

What's nearby

Wydia's Seafood and Steakhouse is just a three-minute walk away. StoreHouse Coffee and Fred's Restaurant are each about five minutes on foot. For groceries, Los Cerezos Latino Store and Dollar General are under a mile. TaylorMade Fitness is practically next door at 0.2 miles. Barrett's Landing Park and the City of Franklin Riverwalk Park Kayak Launch offer outdoor access within a short drive or bike ride.

For different buyers

Base commute and VA loan notes

Joint Staff J7 Suffolk is roughly 39 minutes away, making this a reasonable commute for those stationed there. VA loan financing is widely available in the Franklin market. The home's four bedrooms and established neighborhood provide stability for a longer-term setup without constant relocation pressure.

Room to grow

Four bedrooms mean a master suite, guest room, home office, and flex space all at once. Three full baths handle morning routines without conflict. The 2,010 square feet and 1918-era layout offer the kind of bones that adapt well to renovation or expansion. A solid foundation and established lot give you room to make the home your own.

More buyer questions

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

The commute is approximately 39 minutes by car. It's a reasonable drive for those working at the base.

What restaurants are walking distance from this address?

Wydia's Seafood and Steakhouse is just 0.3 miles away. Fred's Restaurant and Serve are each about 0.5 miles, all easily walkable.

Are there parks nearby?

Barrett's Landing Park and the City of Franklin Riverwalk Park Kayak Launch are both within a mile. You can reach either by a short walk or quick drive.

What year was this home built?

322 Clay Street was built in 1918. It carries the solid construction and character typical of early-20th-century Franklin homes.

How many bedrooms and bathrooms does the home have?

The home offers four bedrooms and three full bathrooms across 2,010 square feet. That layout provides flexibility for a home office, guest space, or personal retreat.

Ready to explore 322 Clay Street and other Franklin homes for sale? Reach out to Tom & Dariya Milan at LPT Realty to schedule a tour and learn more.

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

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

Franklin$245K – $335K4+ beds

By subscribing you agree to receive listing emails from Tom & Dariya Milan, Realtors, at most one a day. Unsubscribe anytime · Privacy PolicyBrokered by LPT Realty

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 (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 510060

Low / Moderate Risk

FEMA flood zone

X (low to moderate risk)

Base flood elevation

Not applicable in low-risk zones

Zone X is outside the Special Flood Hazard Area; FEMA doesn\u2019t define a BFE here.

Property elevation

28.7 ft above sea level

USGS 3DEP digital elevation model

Outside the high-risk Special Flood Hazard Area. Federal flood insurance is NOT required, though optional preferred-rate NFIP coverage is still worth considering in coastal Hampton Roads.

Data sources: Flood zone and base flood elevation come from FEMA\u2019s National Flood Hazard Layer. Property elevation is sampled from a single point on the parcel using the USGS National Map elevation service \u2014 actual elevations across a single property can vary by several feet higher or lower than the figure shown. Use these numbers as a starting reference and do your own due diligence (a professional survey or elevation certificate) before relying on them for any financial, insurance, or construction decision.

Hurricane Evacuation Zone

Not in a designated hurricane evacuation zone.

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

Franklin houses for sale →

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

$1,701/mo

Principal & interest

$1,504

Property tax

$112

Home insurance

$85

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

232% of $124,700

City assessment record · taxes $1,344/yr

Land share of assessed value

18% — $23,000

Improvements $101,700 · assessor record ✓

Price context — similar nearby homes

$70,000 – $300,000

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
318 Clay ST · 0 mi · 2,020 sqft$135,000 sold 2026-09
504 Cameron ST · 0.1 mi · 2,100 sqft$299,000 sold 2026-02

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

Sale & Tax History

List Price

$289,900

Price / Sq Ft

$144

Annual Taxes

$1,344

Monthly Tax

$112

HOA

None

Tax Rate (effective)

0.46%

Sale Timeline (this listing)

EventDatePriceDetail
ListedAug 22, 2026$289,900—
Price reducedSep 16, 2026$289,900−$10,000
Currently listed—$289,900—

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

132% above assessment

Total Assessed

$124,700

Land

$23,000

Improvement

$101,700

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

25 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.
Is there a gym near 322 Clay St?+
Yes — TaylorMade Fitness VA is about 0.2 miles away, per the cached nearby-places record for this address.
Are there parks near 322 Clay St?+
Barrett's Landing Park is about 0.5 miles away.
Where is the nearest grocery store to 322 Clay St?+
Los Cerezos Latino Store is about 0.5 miles away. The closest dining on record is Wydia's Seafood and Steakhouse (0.2 mi).
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

Brokered by 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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