1012 Whitetop Rd, Chilhowie, VA 24319 Property Records

Smyth County property record for 1012 Whitetop Rd, Chilhowie, VA 24319

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,218 sqft · built 1992
Lot Size	0.57 acres (24,829 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Jun 2026)
Tax Bill	$2,067 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`64B-1-13A-14`

Property Details

APN / Parcel Number

Primary APN	`64B-1-13A-14`
Alternative APN	`69452`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,218 sqft Living Area
Gross Area	3,242 sqft
1st Floor Area	1,512 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	24,829 sqft (0.57 acres)
Garage Area	532 sqft
Porch	Porch
Porch Area	72 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	69452
Street Address	1012 WHITETOP RD
City	CHILHOWIE
State	VA
Zip	24319-3693
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FERGUSON FARM PT LOTS 13-14 64B 1 13A-14
Legal Subdivision	FERGUSON
Legal Lot Number	13-14
Jurisdiction	SMYTH VA
Township / Civil Division	CHILHOWIE
Census Block Group	3
Census Block	3045
Census Tract	30701

Owner

Source: Smyth County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1012 WHITETOP RD, CHILHOWIE, VA 24319-3693
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2026	Bargain and Sale Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Oct 19, 2023	Warranty Deed, Transfer · Closed-End Mortgage THE BANK OF MARION REGIONAL MORTGAG
Jul 5, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance THE BANK OF MARION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2026 · Amount on Record
Deed Sale	Jun 1, 2026 · Amount on Record
Prior Sale	Oct 1, 2010 · Amount on Record
Deed Document Number	20261232
Deed Book / Page	1113 / 5388
Record Updated	Oct 29, 2026

June 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	SMYTH VA
Recording Date	Jun 1, 2026
Property Address	1012 WHITETOP RD, CHILHOWIE, VA 24319-3693
Document Number	0000001232
Book / Page	1113 / 5388
Instrument Date	May 29, 2026
Instrument	20261232
Transaction Type	Transfer
Record Updated	Jun 11, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$38,380.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1012 WHITETOP RD, CHILHOWIE, VA 24319-3693
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001233,
Date	Jun 1, 2026
Instrument	20261233

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SMYTH VA
Recording Date	Oct 19, 2023
Property Address	1012 WHITETOP RD, CHILHOWIE, VA 24319-3693
Document Number	001106/586
Book / Page	1106 / 586
Instrument Date	Oct 18, 2023
Instrument	230002308
Transaction Type	Transfer
Record Updated	Nov 15, 2023
Title Company	BLUE RIDGE TITLE AND SETTLEMENT, BLUE RIDGE TITLE & STLMNT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 WHITETOP RD, CHILHOWIE, VA 24319-3693

Mortgage

Document Number	0230002309
Date	Oct 19, 2023
Instrument	230002309

Lender

Name	THE BANK OF MARION REGIONAL MORTGAG

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMYTH VA
Property Address	1012 WHITETOP RD, CHILHOWIE, VA 24319-3693
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001087/422
Date	Jul 5, 2022
Book Page	1087/422
Instrument	220001655

Lender

Name	THE BANK OF MARION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	359 Months
Due	Jun 27, 2052

Interest

Rate Type	Fixed Rate
Rate	5.99%

Tax Assessment & Valuation

Source: Smyth County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Smyth County
Unified School District	Smyth County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,067.00 (+16.91%)	$299,700 (-) Land $18,000 Building $281,700	$299,700 (-) Land $18,000 Building $281,700
2025	$1,768.00 (+35.06%)	$299,700 (+69.32%) Land $18,000 Building $281,700	$299,700 (+69.32%) Land $18,000 Building $281,700
2023	$1,309.00	$177,000 (-) Land $15,000 Building $162,000	$177,000 (-) Land $15,000 Building $162,000
2022	$1,309.00	$177,000 Land $15,000 Building $162,000	$177,000 Land $15,000 Building $162,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 2, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	14 (1979–2024)
Claims Outside the SFHA	9 of 14
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 3 claims Severe Storms And Flooding, Nov 2003 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · above 74% of Virginia
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Point Broadband Fiber	1,000 / 1,000
SmythNet Fixed Wireless	100 / 100

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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