20110 Cherry Grove Rd N, Smithfield, VA 23430 Property Records

Isle Of Wight County property record for 20110 Cherry Grove Rd N, Smithfield, VA 23430

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,581 sqft · built 1971
Lot Size	1.04 acres (45,302 sqft)
Owner	2 Individual Names on File
Last Sale	$248,201 (Jul 2026)
Tax Bill	$2,277 (2026)
Deeds & Mortgages	Jul 2026 Foreclosure Feb 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`42-04-003A`

Property Details

APN / Parcel Number

Primary APN	`42-04-003A`
Alternative APNs	`4501623500` `10873`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,581 sqft Living Area
1st Floor Area	1,581 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,302 sqft (1.04 acres)
Garage Type	Carport
Garage Area	672 sqft
Carport	Carport
Carport Area	672 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil

Location & Zoning

Street Address	20110 CHERRY GROVE RD N
City	SMITHFIELD
State	VA
Zip	23430-6400
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAC
Legal Description	PT L 3 HOWARD P COBB
Legal Subdivision	HOWARD P COBB
Legal Lot Number	3
Jurisdiction	ISLE OF WIGHT VA
Township / Civil Division	WINDSOR
Census Block Group	4
Census Block	4042
Census Tract	280200

Owner

20110 Cherry Grove Rd N is owned and occupied by two individuals who bought it in July 2026.

Source: Isle Of Wight County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20110 CHERRY GROVE RD N, SMITHFIELD, VA 23430-6400
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 10, 2026	Trustee's Deed, Foreclosure · Conventional Mortgage NEW AMERICAN FUNDING
Feb 28, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage OVM FINANCIAL INC
Sep 9, 2021	Warranty Deed, Transfer · Commercial Mortgage PARTY III

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2026 · Amount on File
Deed Sale	Jul 10, 2026 · Amount on File
Prior Sale	Feb 28, 2022 · Amount on File
Deed Document Number	20263355
Prior Transfer Date	May 27, 2026
Prior Transfer Doc	0000003355
Record Updated	Oct 29, 2026

July 2026: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ISLE OF WIGHT VA
Recording Date	Jul 10, 2026
Property Address	20110 CHERRY GROVE RD N, SMITHFIELD, VA 23430-6400
Document Number	0000003355
Instrument Date	May 27, 2026
Instrument	20263355
Transaction Type	Foreclosure
Record Updated	Sep 21, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$25,068.20
Amount Accuracy	Calculated from Transfer Tax
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20110 CHERRY GROVE RD N, SMITHFIELD, VA 23430-6400

Mortgage

Document Number	0000003356,
Date	Jul 10, 2026
Instrument	20263356

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Feb 28, 2022
Property Address	20110 CHERRY GROVE RD N, SMITHFIELD, VA 23430-6400
Document Number	0220003031
Instrument Date	Feb 14, 2022
Instrument	220003031
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 16, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
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	20110 CHERRY GROVE RD N, SMITHFIELD, VA 23430-6400

Mortgage

Document Number	0220003032
Date	Feb 28, 2022
Instrument	220003032

Lender

Name	OVM FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Sep 9, 2021
Property Address	20110 CHERRY GROVE RD N, SMITHFIELD, VA 23430-6400
Document Number	210016363
Instrument Date	Aug 25, 2021
Instrument	210016363
Transaction Type	Transfer
Record Updated	Sep 22, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount 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	1192 GUNN HALL DR, VIRGINIA BEACH, VA 23454-5756

Mortgage

Document Number	210016364
Date	Sep 9, 2021
Instrument	210016364

Lender

Name	PARTY III
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	299 Months
Due	Aug 13, 2046

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 20110 Cherry Grove Rd N was $2,277, 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	$2,277.00 (+4.5%)	$281,200 (-) Land $50,000 Building $231,200	$281,200 (-) Land $50,000 Building $231,200
2025	$2,179.00	$281,200 Land $50,000 Building $231,200	$281,200 Land $50,000 Building $231,200
2023		$281,200 Land $50,000 Building $231,200	$281,200 Land $50,000 Building $231,200

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

Flood

FEMA maps place 20110 Cherry Grove Rd N in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2011 · rainfall accumulation

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 20110 Cherry Grove Rd N 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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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