169 Dry Fork Rd, Chilhowie, VA 24319 Property Records

Smyth County property record for 169 Dry Fork Rd, Chilhowie, VA 24319

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 1,404 sqft · built 1945
Lot Size	9.11 acres (396,832 sqft)
Owner	2 Individual Names on Record
Last Sale	$203,900 (Oct 2018)
Tax Bill	$1,558 (2026)
Deeds & Mortgages	Nov 2019 Mortgage Sep 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`76-A-190`

Property Details

APN / Parcel Number

Primary APN	`76-A-190`
Alternative APN	`130214`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,404 sqft Living Area
Gross Area	2,384 sqft
1st Floor Area	984 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Roof Type	Gable
Lot Area	396,832 sqft (9.11 acres)
Porch	Porch
Porch Area	560 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	130214
Street Address	169 DRY FORK RD
City	CHILHOWIE
State	VA
Zip	24319-5887
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST RD 604 76 A 190
Legal Subdivision	STEVEN P HARRIS PROP
Jurisdiction	SMYTH VA
Township / Civil Division	RYE VALLEY
Census Block Group	2
Census Block	2032
Census Tract	30702

Owner

Source: Smyth County records, as of October 20, 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	169 DRY FORK RD, CHILHOWIE, VA 24319-5887
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Sep 8, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION
Oct 24, 2018	Warranty Deed, Transfer · FHA Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2018 · Amount on Record
Deed Sale	Oct 24, 2018 · Amount on Record
Prior Sale	May 21, 2015 · Amount on Record
Deed Document Number	20182536
Deed Book / Page	1028 / 947
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMYTH VA
Property Address	169 DRY FORK RD, CHILHOWIE, VA 24319-5887
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001044/162
Date	Nov 21, 2019
Book Page	1044/162
Instrument	190002730

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMYTH VA
Property Address	169 DRY FORK RD, CHILHOWIE, VA 24319-5887
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001056/292
Date	Sep 8, 2020
Book Page	1056/292
Instrument	200002117

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	353 Months
Due	Feb 1, 2050

Interest

Rate Type	Fixed Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SMYTH VA
Recording Date	Oct 24, 2018
Property Address	169 DRY FORK RD, CHILHOWIE, VA 24319-5887
Document Number	1028/947
Book / Page	1028 / 947
Instrument Date	Oct 24, 2018
Instrument	180002536
Transaction Type	Transfer
Record Updated	Oct 28, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	169 DRY FORK RD, CHILHOWIE, VA 24319-5887

Mortgage

Document Number	180002537
Date	Oct 24, 2018
Instrument	180002537

Lender

Name	STEARNS LENDING LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Smyth County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Smyth County
Unified School District	Smyth County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,558.00 (+29.83%)	$225,800 (-0.04%) Land $46,400 Building $179,400	$225,820 (-0.04%) Land $46,400 Building $179,420
2025	$1,200.00 (+9.09%)	$225,900 (+32.18%) Land $46,400 Building $179,500	$225,900 (+32.18%) Land $46,400 Building $179,500
2023	$1,100.00	$170,900 Land $43,400 Building $127,500	$170,900 Land $43,400 Building $127,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 2, 2012 · 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	7 in force
Nearby Flood Claims	11 (1994–2024)
Claims Outside the SFHA	1 of 11
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 5 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · above 73% of Virginia
Wildfire Likelihood	0.08% 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	TOWN OF CHILHOWIE serves 4,625 people · EPA ID VA1173090
Water Source	Purchased groundwater influenced by surface water from CHILHOWIE_WCSA REGIONAL WTP
Last State Inspection	Aug 2025
Lead	8 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Point Broadband Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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