17082 Echo Lake Dr, Smithfield, VA 23430 Property Records

Isle Of Wight County property record for 17082 Echo Lake Dr, Smithfield, VA 23430

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,050 sqft · built 2004
Lot Size	3.28 acres (142,877 sqft)
Owner	2 Individual Names on File
Last Sale	$76,000 (May 2003)
Tax Bill	$5,650 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Jun 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`31D-01-002`

Property Details

APN / Parcel Number

Primary APN	`31D-01-002`
Alternative APNs	`4503264966` `7813`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,050 sqft Living Area
1st Floor Area	3,725 sqft
Attic	Attic
Attic Area	675 sqft
Family Room	Family Room

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick
Construction Type	Brick
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	142,877 sqft (3.28 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	675 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil

Location & Zoning

Street Address	17082 ECHO LAKE DR
City	SMITHFIELD
State	VA
Zip	23430-6970
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 2 ECHO LAKE
Legal Subdivision	PHASE TWO PAGAN RIVER TOWNHOMES
Legal Lot Number	2
Jurisdiction	ISLE OF WIGHT VA
Township / Civil Division	HARDY
Census Block Group	1
Census Block	1007
Census Tract	280105

Owner

17082 Echo Lake Dr is owned and occupied by two individuals who acquired it in June 2025.

Source: Isle Of Wight County records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	17082 ECHO LAKE DR, SMITHFIELD, VA 23430-6970
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
Jul 24, 2026	Deed of Trust, Mortgage · Line of Credit BANK NATIONAL ASSOCIATION
Jun 30, 2025	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2003 · Amount on File
Deed Sale	May 2, 2003 · Amount on File
Prior Sale	Sep 4, 2001 · Amount on File
Deed Document Number	20033408
Last Transfer Date	Jun 12, 2025
Transfer Doc	0000002702
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLE OF WIGHT VA
Recording Date	Jul 24, 2026
Property Address	17082 ECHO LAKE DR, SMITHFIELD, VA 23430-6970
Document Number	0000003586
Instrument Date	Jul 20, 2026
Instrument	20263586
Transaction Type	Mortgage
Record Updated	Aug 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17082 ECHO LAKE DR, SMITHFIELD, VA 23430-6970

Mortgage

Document Number	0000003586,
Date	Jul 24, 2026
Instrument	20263586

Lender

Name	BANK NATIONAL ASSOCIATION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.47%
Max Rate	-1%

June 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ISLE OF WIGHT VA
Recording Date	Jun 30, 2025
Property Address	17082 ECHO LAKE DR, SMITHFIELD, VA 23430-6970
Document Number	0250002702
Map Reference	CAB 2 SL 39
Instrument Date	Jun 12, 2025
Instrument	250002702
Transaction Type	Transfer
Record Updated	Nov 26, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17082 ECHO LAKE DR, SMITHFIELD, VA 23430-6970

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Tax Assessment & Valuation

The 2026 property tax bill for 17082 Echo Lake Dr was $5,650, up 4.5% from the year before.

Source: Isle Of Wight County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Isle Of Wight County
Unified School District	Isle of Wight County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,650.00 (+4.51%)	$697,600 (-) Land $100,500 Building $597,100	$697,600 (-) Land $100,500 Building $597,100
2025	$5,406.00	$697,600 Land $100,500 Building $597,100	$697,600 Land $100,500 Building $597,100
2023		$697,600 Land $100,500 Building $597,100	$697,600 Land $100,500 Building $597,100

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

Flood

FEMA maps place 17082 Echo Lake Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

Wildfire risk around 17082 Echo Lake Dr is low, with a 0.01% 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

May also be available: Spectrum, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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