104 Commerce St, Smithfield, VA 23430 Property Records

Isle Of Wight County property record for 104 Commerce St, Smithfield, VA 23430 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,630 sqft · built 1985
Owner	Individual Name on File
Tax Bill	$3,373 (2025)
Flood Zone	Zone AE (high risk)
APN	`21A-01-056A`

Property Details

APN / Parcel Number

Primary APN	`21A-01-056A`
Alternative APNs	`5500382010` `2907`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,630 sqft Living Area
Gross Area	3,050 sqft
Basement Area	1,050 sqft
Finished Basement	630 sqft
Family Room	Family Room
Game Room	Game Room
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Roof Material	Asphalt
Garage Type	Built-in
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	5500382010
Old Parcel Number	21A-01-056A
Street Address	104 COMMERCE ST
City	SMITHFIELD
State	VA
Zip	23430-1202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 PHASE 2 PAGAN RIVER TOWNHOUSE PLAT 2-108-17
Legal Subdivision	PAGAN RIVER THMS PH 02
Legal Lot Number	1
Jurisdiction	ISLE OF WIGHT VA
Township / Civil Division	SMITHFIELD
Census Block Group	3
Census Block	3007
Census Tract	280105

Owner

Source: Isle Of Wight County records · APN 21A-01-056A

Assessment roll updated January 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	104 COMMERCE ST, SMITHFIELD, VA 23430-1202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 29, 1986
Deed Sale	Aug 29, 1986
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: Isle Of Wight County records · Assessment roll updated January 1, 2025 · Last verified October 2025

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,373.00	$435,300 (-) Land $70,000 Building $365,300	$435,300 (-) Land $70,000 Building $365,300
2023		$435,300 Land $70,000 Building $365,300	$435,300 Land $70,000 Building $365,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Isle Of Wight County (51093C), updated January 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510932801053, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
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 Storm	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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 138 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.