Isle Of Wight County property record for 153 Ayrshire Loop, Smithfield, VA 23430
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,959 sqft · built 2024 |
| Lot Size | 0.266 acres (11,587 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $426,260 (Sep 2024) |
| Tax Bill | $3,435 (2026) |
| Deeds & Mortgages | Oct 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21E-02-124 |
| Primary APN | 21E-02-124 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,959 sqft Living Area |
| 1st Floor Area | 2,860 sqft |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Roof Material | Asphalt |
| Lot Area | 11,587 sqft (0.266 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Gas |
| Sewer | Connected |
| Street Address | 153 AYRSHIRE LOOP |
|---|---|
| City | SMITHFIELD |
| State | VA |
| Zip | 23430-5989 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 124 CYPRESS CREEK PH 6 SEC 2 PLAT I#230001615 |
| Legal Subdivision | PHASE 6 |
| Legal Lot Number | 124 |
| Jurisdiction | ISLE OF WIGHT VA |
| Township / Civil Division | SMITHFIELD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 280105 |
153 Ayrshire Loop is owned and occupied by two individuals who bought it in September 2024.
Source: Isle Of Wight County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 153 AYRSHIRE LOOP, SMITHFIELD, VA 23430-5989 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 24, 2024 · Amount on File |
| Deed Sale | Sep 24, 2024 · Amount on File |
| Deed Document Number | 20243514 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLE OF WIGHT VA |
| Property Address | 153 AYRSHIRE LOOP, SMITHFIELD, VA 23430-5989 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 153 AYRSHIRE LOOP, SMITHFIELD, VA 23430-5989 |
| Document Number | 0250004897 |
|---|---|
| Date | Oct 29, 2025 |
| Instrument | 250004897 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
The 2026 property tax bill for 153 Ayrshire Loop was $3,435, up 4.5% from the year before.
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 | $3,435.00 (+4.53%) | $424,100 (-) Land $95,000 Building $329,100 | $424,100 (-) Land $95,000 Building $329,100 |
| 2025 | $3,286.00 | $424,100 Land $95,000 Building $329,100 | $424,100 Land $95,000 Building $329,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 153 Ayrshire Loop in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2006.
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 |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 3 (2006–2012) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
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 risk around 153 Ayrshire Loop 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.
Source: FCC Broadband Data Collection, based on 111 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
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