107 Gullane, Smithfield, VA 23430 Property Records

Isle Of Wight County property record for 107 Gullane, Smithfield, VA 23430 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 5,539 sqft · built 2020
Lot Size	1.12 acres (48,787 sqft)
Owner	Individual Name on File
Last Sale	$1,222,222 (Aug 2025)
Tax Bill	$7,570 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Aug 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21E-01-404`

Property Details

APN / Parcel Number

Primary APN	`21E-01-404`
Alternative APN	`19582`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,539 sqft Living Area
Family Room	Family Room
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	48,787 sqft (1.12 acres)
Garage Type	Attached
Garage Area	897 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	21E-01-404
Street Address	107 GULLANE
City	SMITHFIELD
State	VA
Zip	23430-7160
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 404 PH 2A CYPRESS CREEK PLAT 2-152-3
Legal Subdivision	CYPRESS CRK PH 02A
Legal Lot Number	404
Jurisdiction	ISLE OF WIGHT VA
Township / Civil Division	SMITHFIELD
Census Block Group	1
Census Block	1002
Census Tract	280105

Owner

Source: Isle Of Wight County records · APN 21E-01-404

Assessment roll updated January 1, 2025 · Last verified December 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
Co-owner	Verified Secondary Owner
Mailing Address	107 GULLANE, SMITHFIELD, VA 23430-7160
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2025	Deed of Trust, Mortgage · Commercial Mortgage SOUTHSTATE BANK NA
Aug 19, 2025	Bargain and Sale Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 19, 2025 · Amount on Record
Deed Sale	Aug 19, 2025 · Amount on Record
Deed Document Number	0250003616
Record Updated	Jun 08, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLE OF WIGHT VA
Property Address	107 GULLANE, SMITHFIELD, VA 23430-7160
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 GULLANE, SMITHFIELD, VA 23430-7160

Mortgage

Document Number	0250005329
Date	Nov 20, 2025
Instrument	250005329

Lender

Name	SOUTHSTATE BANK NA
Type	Bank
Address	WINTER HAVEN, FL 33881

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	123 Months
Due	Feb 27, 2036

August 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ISLE OF WIGHT VA
Recording Date	Aug 19, 2025
Property Address	107 GULLANE, SMITHFIELD, VA 23430-7160
Document Number	0250003616
Map Reference	CAB 2 SL 152
Instrument Date	Aug 15, 2025
Instrument	250003616
Transaction Type	Transfer
Record Updated	Apr 03, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,222.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	107 GULLANE, SMITHFIELD, VA 23430-7160

Mortgage

Document Number	0250003617
Date	Aug 19, 2025
Instrument	250003617

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2055

Tax Assessment & Valuation

Source: Isle Of Wight County records · Assessment roll updated January 1, 2025 · Last verified December 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	$7,570.00	$976,800 (-) Land $100,000 Building $876,800	$976,800 (-) Land $100,000 Building $876,800
2023		$976,800 Land $100,000 Building $876,800	$976,800 Land $100,000 Building $876,800

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 510932801051, 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 X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 15 individual NFIP policies nearby
Nearby Flood Policies	15 in force
Nearby Flood Claims	3 (2006–2012)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Oct 2012, other causes, Hurricane Sandy

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 3,846 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 75 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 50
Starlink	Satellite (low-earth orbit)	280 / 30

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

Mobile Coverage

5G (outdoors only) and 4G LTE

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