1091 Smith Ave, Harrisonburg, VA 22802 Property Records

Harrisonburg City property record for 1091 Smith Ave, Harrisonburg, VA 22802

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,220 sqft · built 1983
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on File
Tax Bill	$3,176 (2026)
Deeds & Mortgages	Dec 2021 Line of Credit Oct 2010 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`048 C 3`

Property Details

APN / Parcel Number

Primary APN	`048 C 3`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,220 sqft Living Area
Basement Area	1,092 sqft
Finished Basement	800 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Wood
Roof Material	Shingle
Lot Area	19,602 sqft (0.45 acres)
Garage Area	576 sqft
Driveway	Asphalt Driveway
Driveway Area	1 sqft

Exterior Amenities

Porch	Slab
Porch Area	160 sqft
Patio Area	144 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	1091 SMITH AVE
City	HARRISONBURG
State	VA
Zip	22802-2324
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	QUADRANT 2 W OF SMITH AVE
Jurisdiction	HARRISONBURG CITY VA
Township / Civil Division	HARRISONBURG
Census Block Group	1
Census Block	1003
Census Tract	402

Owner

1091 Smith Ave is owned and occupied by an individual who acquired it in May 2026.

Source: Harrisonburg City records, as of October 16, 2026

Owner of Record	Individual Name on File
Mailing Address	1091 SMITH AVE, HARRISONBURG, VA 22802-2324
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Dec 6, 2021	Deed of Trust, Mortgage · Line of Credit PARK VIEW FCU
Oct 1, 2010	Deed of Trust, Mortgage · Conventional Mortgage PARK VIEW FEDERAL CREDIT UNION
Jun 27, 2007	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jun 5, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 27, 2026
Transfer Doc	0000012283
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISONBURG CITY VA
Property Address	1091 SMITH AVE, HARRISONBURG, VA 22802-2324
Transaction Type	Mortgage
Record Updated	Jun 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3190 PEOPLES DR, HARRISONBURG, VA 22801-7627

Mortgage

Document Number	005513/531
Date	Dec 6, 2021
Book Page	5513/531
Instrument	2021-33518

Lender

Name	PARK VIEW FCU
Type	Credit Union
Address	HARRISONBURG, VA 22802

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISONBURG CITY VA
Property Address	1091 SMITH AVE, HARRISONBURG, VA 22802-2324
Transaction Type	Mortgage
Record Updated	Jun 24, 2026
Title Company	MEMBERS TITLE LLC, MEMBERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003773/152
Date	Oct 1, 2010
Book Page	3773/152
Instrument	2010-00027434

Lender

Name	PARK VIEW FEDERAL CREDIT UNION
Address	HARRISONBURG, VA 22802

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2025

Interest

Rate	3.87%

June 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISONBURG CITY VA
Property Address	1091 SMITH AVE, HARRISONBURG, VA 22802-2324
Transaction Type	Mortgage
Record Updated	Jun 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003132/502
Date	Jun 27, 2007
Book Page	3132/502
Instrument	2007-00022224

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2037

Interest

Rate	6.5%

June 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HARRISONBURG CITY VA
Recording Date	Jun 5, 2026
Property Address	1091 SMITH AVE, HARRISONBURG, VA 22802-2324
Document Number	0000012283
Book / Page	6057 / 576
Instrument Date	May 27, 2026
Instrument	202612283
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1091 SMITH AVE, HARRISONBURG, VA 22802-2324

Tax Assessment & Valuation

The 2026 property tax bill for 1091 Smith Ave was $3,176.

Source: Harrisonburg City assessment roll, as of October 16, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Harrisonburg City
Unified School District	Harrisonburg City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,176.00	$314,500 (+1.78%) Land $83,000 Building $231,500	$314,500 (+1.78%) Land $83,000 Building $231,500
2025		$309,000 Land $82,500 Building $226,500	$309,000 Land $82,500 Building $226,500
2024	$3,064.00 (+8.19%)
2023	$2,832.00	$295,000 Land $79,200 Building $215,800	$295,000 Land $79,200 Building $215,800

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

Flood

FEMA maps place 1091 Smith Ave in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1996.

Source: FEMA National Flood Hazard Layer, effective April 13, 2024 · 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	2 in force
Nearby Flood Claims	5 (1996–2024)
Claims Outside the SFHA	4 of 5
Most Recent Claim	May 2024 · rainfall accumulation

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 1091 Smith Ave is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Direct burnable vegetation

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	CITY OF HARRISONBURG serves 61,000 people · EPA ID VA2660345
Water Source	Surface water
Last State Inspection	May 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Glo Fiber, Verizon.

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