103 Cary St, Smithfield, VA 23430 Property Records

Isle Of Wight County property record for 103 Cary St, Smithfield, VA 23430

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 988 sqft · built 1900
Lot Size	0.17 acres (7,226 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Mar 2025)
Tax Bill	$1,576 (2026)
Deeds & Mortgages	Mar 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21A-01-201B`

Property Details

APN / Parcel Number

Primary APN	`21A-01-201B`
Alternative APNs	`5500277100` `3059`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	988 sqft Living Area
1st Floor Area	1,320 sqft
Attic	Attic
Attic Area	332 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,226 sqft (0.17 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	103 CARY ST
City	SMITHFIELD
State	VA
Zip	23430-1101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TOWN
Legal Description	103 N CARY ST PLAT 8/34
Legal Subdivision	HELEN LIBBEY BUTTERWORTH
Jurisdiction	ISLE OF WIGHT VA
Township / Civil Division	SMITHFIELD
Census Block Group	3
Census Block	3019
Census Tract	280105

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Smithfield Historic District listed 1973 · 55 contributing resources · NRIS 73002022

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Isle Of Wight County records, as of September 21, 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	103 CARY ST, SMITHFIELD, VA 23430-1101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2025 · Amount on Record
Deed Sale	Mar 24, 2025 · Amount on Record
Prior Sale	Nov 30, 2021 · Amount on Record
Deed Document Number	20251173
Record Updated	Oct 29, 2026

March 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ISLE OF WIGHT VA
Recording Date	Mar 24, 2025
Property Address	103 CARY ST, SMITHFIELD, VA 23430-1101
Document Number	0250001173
Map Reference	MB 8 PG 34
Instrument Date	Mar 17, 2025
Instrument	250001173
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 CARY ST, SMITHFIELD, VA 23430-1101

Mortgage

Document Number	0250001174
Date	Mar 24, 2025
Instrument	250001174

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

Tax Assessment & Valuation

Source: Isle Of Wight County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Isle Of Wight County
Municipality	Smithfield Town
Unified School District	Isle of Wight County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,576.00 (+4.51%)	$194,600 (-) Land $70,000 Building $124,600	$194,600 (-) Land $70,000 Building $124,600
2025	$1,508.00	$194,600 (-) Land $70,000 Building $124,600	$194,600 (-) Land $70,000 Building $124,600
2023		$194,600 Land $70,000 Building $124,600	$194,600 Land $70,000 Building $124,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 8, 2026 · 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	52 (1982–2020)
Claims Outside the SFHA	10 of 52
Most Recent Claim	Sep 2020 · river or lake flooding
Claims by Event	Hurricane Florence, Sep 2018 · 3 claims Severe Storms And Flooding Associated With Tropical Depression Ida And A Nor'east, Nov 2009 · 11 claims Hurricane Isabel, Sep 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	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF SMITHFIELD serves 8,089 people · EPA ID VA3093640
Water Source	Groundwater
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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