1038 Smith Rd, Afton, VA 22920 Property Records

Albemarle County property record for 1038 Smith Rd, Afton, VA 22920

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 960 sqft · built 1978
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$490,000 (Oct 2025)
Tax Bill	$3,043 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06900-00-00-025A0`

Property Details

APN / Parcel Number

Primary APN	`06900-00-00-025A0`
Alternative APN	`28572`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Finished Area
Basement Area	960 sqft
Finished Basement	851 sqft
Unfinished Basement	960 sqft
Flooring	Wood

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2025
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Wood
Lot Area	87,120 sqft (2 acres)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	1038 SMITH RD
City	AFTON
State	VA
Zip	22920-1703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	ACREAGE
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SAMUEL MILLER
Census Block Group	2
Census Block	2030
Census Tract	11201

Owner

1038 Smith Rd is owned and occupied by two individuals who bought it in October 2025.

Source: Albemarle County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1038 SMITH RD, AFTON, VA 22920-1703
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2025 · Amount on File
Deed Sale	Oct 16, 2025 · Amount on File
Prior Sale	Nov 8, 2024 · Amount on File
Deed Document Number	20259644
Prior Transfer Date	Mar 6, 2025
Prior Transfer Doc	0000002342
Record Updated	Sep 20, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Oct 16, 2025
Property Address	1038 SMITH RD, AFTON, VA 22920-1703
Document Number	202500009644
Map Reference	MB 304 PG 144
Instrument Date	Oct 10, 2025
Instrument	202500009644
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1038 SMITH RD, AFTON, VA 22920-1703

Mortgage

Document Number	202500009645
Date	Oct 16, 2025
Instrument	202500009645

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 1038 Smith Rd was $3,043, up 216.3% from the year before.

Source: Albemarle County assessment roll, as of June 15, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,043.00 (+216.32%)	$340,400 (+216.06%) Land $101,200 Building $239,200	$340,400 (+216.06%) Land $101,200 Building $239,200
2025	$962.00	$107,700 Land $91,100 Building $16,600	$107,700 Land $91,100 Building $16,600
2023		$153,300 Land $81,000 Building $72,300	$153,300 Land $81,000 Building $72,300

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

Flood

FEMA maps place 1038 Smith Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 3, 2023 · 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	1 in force

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

Wildfire risk around 1038 Smith Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 59% of Virginia
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
Lingo Networks Fixed Wireless	25 / 5
RiverStreet Networks Fixed Wireless	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Smith Rd

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