181 Cedar Crest Dr, Smithfield, VA 23430 Property Records

Isle Of Wight County property record for 181 Cedar Crest Dr, Smithfield, VA 23430

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,094 sqft · built 2022
Lot Size	0.107 acres (4,661 sqft)
Owner	Individual Name on File
Last Sale	$385,000 (Aug 2026)
Tax Bill	$2,779 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32-01-075A445`

Property Details

APN / Parcel Number

Primary APN	`32-01-075A445`
Alternative APN	`26568`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,094 sqft Living Area
1st Floor Area	2,534 sqft
Basement Area	840 sqft
Finished Basement	400 sqft
Unfinished Basement	440 sqft
Game Room	Game Room

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Roof Material	Asphalt
Lot Area	4,661 sqft (0.107 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Gas
Sewer	Connected

Location & Zoning

Street Address	181 CEDAR CREST DR
City	SMITHFIELD
State	VA
Zip	23430-6383
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 445 BENN'S GRANT SUBDIV PH 10B-2 PLAT I#216822
Legal Subdivision	PHASE 10B-2 BENNS GRANT
Legal Lot Number	445
Jurisdiction	ISLE OF WIGHT VA
Township / Civil Division	WINDSOR
Census Block Group	1
Census Block	1024
Census Tract	280105

Owner

181 Cedar Crest Dr is owned and occupied by an individual who bought it in August 2026.

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

Owner of Record	Individual Name on File
Mailing Address	181 CEDAR CREST DR, SMITHFIELD, VA 23430-6383
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2026 · Amount on File
Deed Sale	Aug 19, 2026 · Amount on File
Prior Sale	Sep 27, 2022 · Amount on File
Deed Document Number	20264044
Record Updated	Oct 29, 2026

August 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ISLE OF WIGHT VA
Recording Date	Aug 19, 2026
Property Address	181 CEDAR CREST DR, SMITHFIELD, VA 23430-6383
Document Number	0000004044
Instrument Date	Aug 14, 2026
Instrument	20264044
Transaction Type	Transfer
Record Updated	Sep 2, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38,885.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 CEDAR CREST DR, SMITHFIELD, VA 23430-6383

Mortgage

Document Number	0000004045,
Date	Aug 19, 2026
Instrument	20264045

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 181 Cedar Crest Dr was $2,779, 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	$2,779.00 (+4.51%)	$343,100 (-) Land $60,000 Building $283,100	$343,100 (-) Land $60,000 Building $283,100
2025	$2,659.00	$343,100 Land $60,000 Building $283,100	$343,100 Land $60,000 Building $283,100
2023		$343,100 Land $60,000 Building $283,100	$343,100 Land $60,000 Building $283,100

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

Flood

FEMA maps place 181 Cedar Crest Dr 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

Wildfire risk around 181 Cedar Crest Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.03% 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 81 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
T-Mobile Fixed Wireless	100 / 20