Isle Of Wight County property record for 122 Lumar Rd, Smithfield, VA 23430
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,083 sqft · built 2008 |
| Lot Size | 0.28 acres (12,389 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $434,800 (Dec 2024) |
| Tax Bill | $2,894 (2026) |
| Deeds & Mortgages | Nov 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21A-25-001 |
| Primary APN | 21A-25-001 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,083 sqft Living Area |
| 1st Floor Area | 2,604 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,389 sqft (0.28 acres) |
| Terrain | Rolling |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 122 LUMAR RD |
|---|---|
| City | SMITHFIELD |
| State | VA |
| Zip | 23430-1434 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TOWN |
| Legal Description | L 1 LUMAR HOMES PLAT BK 4/85 |
| Legal Subdivision | LU-MAR HOMES |
| Legal Lot Number | 1 |
| Jurisdiction | ISLE OF WIGHT VA |
| Township / Civil Division | SMITHFIELD |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 280104 |
Source: Isle Of Wight County records, as of September 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 122 LUMAR RD, SMITHFIELD, VA 23430-1434 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 16, 2024 · Amount on Record |
| Deed Sale | Dec 16, 2024 · Amount on Record |
| Prior Sale | Aug 19, 2022 · Amount on Record |
| Deed Document Number | 20244713 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLE OF WIGHT VA |
| Property Address | 122 LUMAR RD, SMITHFIELD, VA 23430-1434 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 122 LUMAR RD, SMITHFIELD, VA 23430-1434 |
| Document Number | 0250005368 |
|---|---|
| Date | Nov 24, 2025 |
| Instrument | 250005368 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
Source: Isle Of Wight County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Isle Of Wight County |
| Municipality | Smithfield Town |
| Unified School District | Isle of Wight County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,894.00 (+4.51%) | $357,300 (-) Land $45,000 Building $312,300 | $357,300 (-) Land $45,000 Building $312,300 |
| 2025 | $2,769.00 | $357,300 (-) Land $45,000 Building $312,300 | $357,300 (-) Land $45,000 Building $312,300 |
| 2023 | $357,300 Land $45,000 Building $312,300 | $357,300 Land $45,000 Building $312,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 8 in force |
| Nearby Flood Claims | 1 (2006) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2006 · tidal / storm surge |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 99% of Virginia |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 243 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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