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FranklinALL OTHERS AREA 67404 Clay St✓ Source: REIN MLS #10639116 · record updated Sep 21, 2026 · synced every 2 min · your inquiry is never resold
404 Clay ST, FRANKLIN VA 23851 - Main photo
3beds
3baths
2,224sqft
94days on market

404 Clay St, Franklin, VA 23851

SoldResidential · built 1918 · ALL OTHERS AREA 67

Facts & features

Type

Residential

Year built

1918

Price / sqft

$135

HOA

None

Taxes

$3,240/yr

County

Franklin VA

MLS #

10639116

Interior

Bedrooms
3
Full baths
3
Approx. sqft
2,224
Stories
2
Flooring
Carpet, Ceramic, Other, Wood
Ensuite bedrooms
2
First-floor bed & full bath
Yes
Total rooms
6
Other rooms
1st Floor BR, Attic, PBR with Bath, Porch, Workshop
Appliances
Dishwasher, Dryer, Microwave, Elec Range, Refrigerator, Washer
Equipment
Cable Hookup, Ceiling Fan

Construction & exterior

Style
Traditional
Subtype
Detached
Foundation
Crawl
Roof
Asphalt Shingle
Exterior
Vinyl
Pool
No Pool
Fencing
Back Fenced,Privacy

Utilities & systems

Heating
Heat Pump, Zoned
Cooling
Heat Pump, Zoned
Water heater
Electric
Water
City/County
Sewer
City/County

Lot, parking & ownership

Lot size
0.2000
Subdivision
ALL OTHERS AREA 67
Zoning
R2
Ownership
Fee Simple
Garage
No
Parking
2 Space, Off Street, Driveway Spc, Street
Possession
SETTLEMENT
Disclosures
Disclosure Statement

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

About this home

Welcome to this thoughtfully updated and well cared for 3 bedroom, 3 bath home in Franklin. From the hardwood floors to the many recent improvements, pride of ownership is evident throughout. Major updates completed in 2026 include a new HVAC system, new privacy fence, and encapsulated with new dehumidifier, and new moisture barrier, offering added comfort and peace of mind. The spacious wood deck is perfect for relaxing or entertaining. Need extra space? In addition to a detached workshop / storage building with power, the home also features floored attic space for hobbies, projects, seasonal items, and extra storage. All appliances convey, making your move even easier. Conveniently located near shopping, dining, schools, and everyday amenities, this Franklin home is ready for its next chapter.

Listing courtesy of Jasper Riddick · CENTURY 21 Nachman Realty · REIN MLS #10639116

Tom & Dariya's overview

Our read on this home

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

At a glance

A 1918-era home at 404 Clay Street brings over a century of character to Franklin, Virginia — three bedrooms, three full baths, and 2,224 square feet of space that rewards anyone who appreciates craftsmanship, history, and a walkable downtown address.

Read the full overview ↓

Why this home stands out

Homes built in 1918 rarely survive with their bones intact, let alone offer three full bathrooms across 2,224 square feet. What you get at 404 Clay Street is genuine architectural history — the kind of proportions, detailing, and lot presence that newer construction simply cannot replicate. Franklin is a small city with a real downtown heartbeat, and this address sits squarely inside it, putting daily errands, riverside parks, and local restaurants within a short walk.

ALL OTHERS AREA 67 and the Franklin real estate market

Franklin, Virginia sits along the Blackwater River in Southampton County, about an hour southwest of Hampton Roads. It's a compact, self-contained city with a working downtown, city services, and a community identity that larger suburbs often lack. The blocks around Clay Street reflect Franklin's early-twentieth-century growth — wide lots, mature trees, and homes with front porches that were built to last. Life here moves at a human pace. You're close enough to the Virginia Beach and Norfolk metro corridor for occasional trips, but day-to-day Franklin keeps things local and manageable. The city has invested in its riverfront, and that effort shows in the parks and public spaces that have taken shape along the water's edge in recent years.

What's nearby

Daily life from 404 Clay Street is genuinely walkable. TaylorMade Fitness VA is just 0.2 miles away — an easy start to any morning. Wydia's Seafood and Steakhouse is 0.3 miles out for a proper sit-down dinner, and both Serve and Fred's Restaurant are within half a mile for casual meals. StoreHouse Coffee and The Lighthouse Project are nearby for your daily cup. Los Cerezos Latino Store covers grocery runs at 0.6 miles, with Dollar General as a quick backup at 0.8 miles. Barrett's Landing Park and the City of Franklin Riverwalk Park Kayak Launch are both under a mile, putting the Blackwater River right at your doorstep.

For different buyers

For first-time buyers

If you've been comparing older homes with real square footage and full bathrooms, 404 Clay Street is worth a close look. At 2,224 square feet with three beds and three full baths, it offers the kind of breathing room that's hard to find at this scale in Franklin. A VA loan can make a historic home like this surprisingly accessible — and the walkable location means one less car trip on a busy week.

For buyers drawn to character

For buyers who find cookie-cutter subdivisions uninspiring, a 1918 home on Clay Street is a different conversation entirely. The ceilings, the proportions, the way light moves through rooms designed before open-concept became a default — it all adds up to a living experience that feels genuinely distinct. Franklin's downtown character reinforces that feeling every time you walk out the front door.

More buyer questions

How far is 404 Clay Street from Joint Staff J7 Suffolk?

The drive runs approximately 39 minutes under typical conditions, heading northeast toward Suffolk via Route 58. It's a straightforward rural highway commute with minimal traffic for most of the route.

What is the flood zone status for 404 Clay Street in Franklin?

Flood zone information for this address is covered in the dedicated FloodRisk tile on this page — check that section for the current FEMA designation and any relevant details.

Is there a homeowners association at 404 Clay Street?

This property does not carry an HOA, which means no association dues, no architectural review board, and no community rules layered on top of city ordinances.

What are the nearest parks to 404 Clay Street?

Barrett's Landing Park is 0.6 miles away and the City of Franklin Riverwalk Park Kayak Launch is just 0.7 miles out — both offer direct access to the Blackwater River for paddling, fishing, or simply enjoying the waterfront.

Can a VA loan be used to purchase a historic home like this one?

Yes — a VA loan can absolutely be used on a home built in 1918, provided the property meets VA minimum property requirements at appraisal. A VA-experienced lender can walk you through any condition items to address before closing.

Want to walk through 404 Clay Street and get a feel for the space? Tom and Dariya Milan at LPT Realty know Franklin well — reach out and let's set something up.

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

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

Franklin$255K – $345K3+ beds

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Schools

VaHome School Score

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

  • ElementaryOther Elementary School
  • 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

$1,914/mo

Principal & interest

$1,557

Property tax

$270

Home insurance

$88

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 $314,600

City assessment record · taxes $3,240/yr

Land share of assessed value

9% — $28,000

Improvements $286,600 · assessor record ✓

Price context — similar nearby homes

$289,900$382,500

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.

506 N High ST · 0.1 mi · 2,325 sqft$299,900 sold 2026-09
504 Cameron ST · 0.1 mi · 2,100 sqft$299,000 sold 2026-02
105 Homestead RD · 0.5 mi · 2,220 sqft$382,500 sold 2026-04

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

Sale & Tax History

List Price

$300,000

Price / Sq Ft

$135

Annual Taxes

$3,240

Monthly Tax

$270

HOA

None

Tax Rate (effective)

1.08%

Sale Timeline (this listing)

EventDatePriceDetail
ListedJun 19, 2026$300,000
Price reducedSep 21, 2026$300,000−$15,000
SoldSep 17, 2026$300,000

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

Asking near assessment

Total Assessed

$314,600

Land

$28,000

Improvement

$286,600

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 404 Clay St in a good school zone?+
The assigned zones on the listing record are Other Elementary School, Joseph P. King Jr. Middle, Franklin. School attendance zones can change — always confirm enrollment with the local school division.
Is 404 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 404 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 404 Clay St?+
Barrett's Landing Park is about 0.5 miles away.
Where is the nearest grocery store to 404 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 404 Clay St have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 404 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 Jasper Riddick · CENTURY 21 Nachman Realty · REIN MLS #10639116

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.

This home has sold

Curious what it means for your own plans? Ask about similar homes nearby, or what your home might sell for in this market.

404 Clay St, Franklin — photo

This one's sold — the next one doesn't have to be.

404 Clay St, Franklin, Virginia 23851 · MLS #10639116 · 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.