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FranklinALL OTHERS AREA 67322 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

Built in 1918, 322 Clay Street is a four-bedroom, three-bath home in Franklin, Virginia, offering 2,010 square feet of character-rich living space on a quiet street in a small city where neighbors still wave from the porch.

Read the full overview ↓

Why this home stands out

More than a century of history is baked into the bones of this 1918-built home, yet the floor plan stretches across 2,010 square feet — generous enough for a modern family. Four bedrooms and three full baths give everyone breathing room. Homes of this era in Franklin carry craftsmanship you simply cannot replicate in new construction: think thick walls, real wood, and proportions that feel considered rather than rushed.

ALL OTHERS AREA 67 and the Franklin real estate market

Franklin, Virginia sits in Southampton County in the western corner of Hampton Roads, a small city with a genuine downtown, a strong sense of community, and a pace of life that feels deliberately unhurried. Clay Street is part of Franklin's historic residential fabric — the kind of block where front porches are still used and mature trees arch over the road. The city's compact footprint means you're never far from City Hall, the Farmers Market, or the Blackwater River, which winds through the area and draws kayakers and anglers alike. Franklin punches above its size when it comes to community events, local dining, and civic pride, and the cost of living here reflects a value proposition that's hard to find elsewhere in the region. For anyone comparing Franklin, Virginia homes for sale, this address sits squarely in the heart of what makes the city appealing — walkable, historic, and genuinely livable.

What's nearby

Daily life in Franklin is straightforward. Groceries, pharmacies, and essential retail are all within a short drive on Armory Drive and U.S. Route 58. The Blackwater River offers outdoor recreation just minutes away, and the Franklin City Park gives families open green space without a long commute. Local restaurants and coffee shops along Main Street keep the downtown corridor active. Regional medical care is accessible through Bon Secours Southampton Medical Center, located close to the city center. Interstate 58 connects Franklin quickly to Suffolk, Chesapeake, and the broader Hampton Roads metro when you need it.

For different buyers

For military families relocating

Joint Staff J7 Suffolk is roughly 39 minutes up Route 58, making 322 Clay Street a practical home base for service members stationed there. Franklin's lower cost of living stretches a housing allowance further than most Hampton Roads zip codes, and a VA loan pairs naturally with a home like this — solid structure, real square footage, and a neighborhood with staying power.

For buyers drawn to character

If you've been scrolling past subdivision homes that all look the same, 322 Clay Street is worth a closer look. Built in 1918, this home belongs to an era when construction was personal — when rooms had weight and windows had presence. Four bedrooms and three baths mean you don't have to sacrifice function for character. Franklin's historic streetscape gives the whole block that same unhurried, authentic feel.

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 via U.S. Route 58 East, a straightforward highway commute with minimal traffic through rural Southampton County.

What is the square footage and layout of 322 Clay Street?

The home offers 2,010 square feet of living space with four bedrooms and three full bathrooms, spread across a floor plan that reflects the generous room proportions typical of 1918-era construction.

Is 322 Clay Street in a flood zone?

Flood zone status for 322 Clay Street is detailed in the FloodRisk tile on this page, which pulls current FEMA map data for the property's specific parcel.

How old is the home at 322 Clay Street and what does that mean for buyers?

The home was built in 1918, making it over 100 years old — buyers should plan for a thorough inspection to assess systems like electrical, plumbing, and roofing, while also appreciating the structural solidity and craftsmanship that older construction often delivers.

Does Franklin, Virginia have an HOA for properties on Clay Street?

322 Clay Street falls within the All Others Area 67 designation, which does not carry a mandatory homeowners association, meaning no HOA dues or association restrictions apply to this property.

Tom and Dariya Milan at LPT Realty know Franklin's historic streets well — reach out to talk through what 322 Clay Street could look like as your next home.

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

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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

$1,701/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$299,000

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.