Smyth County property record for 191 Loves Mill Rd, Chilhowie, VA 24319
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,878 sqft · built 2009 |
| Lot Size | 4.24 acres (184,694 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $2,979 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 65-10-16 |
| Primary APN | 65-10-16 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,878 sqft Living Area |
| Gross Area | 6,812 sqft |
| 1st Floor Area | 2,878 sqft |
| Basement Area | 2,878 sqft |
| Unfinished Basement | 2,878 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 184,694 sqft (4.24 acres) |
| Garage Area | 600 sqft |
| Porch | Porch |
| Porch Area | 456 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 125501 |
|---|---|
| Street Address | 191 LOVES MILL RD |
| City | CHILHOWIE |
| State | VA |
| Zip | 24319-6045 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ST JOHNS CROSSING LOTS 16-16A 65 10 16 |
| Legal Subdivision | JOHNS CROSSING |
| Legal Lot Number | 16 |
| Jurisdiction | SMYTH VA |
| Township / Civil Division | CHILHOWIE |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 30702 |
191 Loves Mill Rd is owner-occupied and held in a trust since May 2009.
Source: Smyth County records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 191 LOVES MILL RD, CHILHOWIE, VA 24319-6045 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
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 Transfer Date | May 20, 2009 |
| Transfer Doc | 781/028 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 191 Loves Mill Rd was $2,979, up 17% from the year before.
Source: Smyth County assessment roll, as of October 20, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Smyth County |
| Unified School District | Smyth County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,979.00 (+16.96%) | $431,800 (-) Land $44,600 Building $387,200 | $431,800 (-) Land $44,600 Building $387,200 |
| 2025 | $2,547.00 | $431,800 Land $44,600 Building $387,200 | $431,800 Land $44,600 Building $387,200 |
| 2023 | $2,297.00 | $310,500 Land $39,600 Building $270,900 | $310,500 Land $39,600 Building $270,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 191 Loves Mill Rd 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 August 2, 2012 · 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 |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 4 (2019–2025) |
| Most Recent Claim | Feb 2025 · river or lake flooding |
| Claims by Event |
|
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 191 Loves Mill Rd is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 73% of Virginia |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 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 |
| 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 44 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 |
| SmythNet Fixed Wireless | 100 / 100 |
No cell data coverage reported
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