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203 Sunrise Bluff Ln, Smithfield, VA 23430 Property Records

Isle Of Wight County property record for 203 Sunrise Bluff Ln, Smithfield, VA 23430

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,702 sqft · built 1995
Lot Size1.1 acres (47,975 sqft)
Owner2 Individual Names on File
Last Sale$600,000 (Jan 2025)
Tax Bill$4,271 (2025)
Deeds & MortgagesMay 2026 Mortgage
Jan 2025 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN23F-05-017

Property Details

APN / Parcel Number

Primary APN23F-05-017
Alternative APNs
  • 4502942100
  • 6600

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures10 Plumbing Fixtures
Total Rooms8 Rooms
Stories2 Stories
Building Area2,702 sqft Living Area
1st Floor Area3,002 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1995
Effective Year BuiltEffective 1995
Exterior MaterialBrick
Construction TypeBrick
Foundation TypeNo Foundation
Roof TypeHip
Roof MaterialAsphalt
Lot Area47,975 sqft (1.1 acres)
Garage TypeAttached
Garage Area600 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating FuelGas
SewerConnected

Location & Zoning

Street Address203 SUNRISE BLUFF LN
CitySMITHFIELD
StateVA
Zip23430-2319
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeNC
Legal DescriptionL 17 SUNRISE BLUFF PLAT 14/35
Legal SubdivisionSUNRISE BLF/GATLINGBLUFF/GATLI
Legal Lot Number17
JurisdictionISLE OF WIGHT VA
Township / Civil DivisionSMITHFIELD
Census Block Group3
Census Block3002
Census Tract280104

Owner

Source: Isle Of Wight County records · APN 23F-05-017

Assessment roll updated October 9, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address203 SUNRISE BLUFF LN, SMITHFIELD, VA 23430-2319
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
May 05, 2026Deed of Trust, Mortgage · Conventional Mortgage
LANGLEY FEDERAL CREDIT UNION
Jan 16, 2025Deed, Transfer · Conventional Mortgage
TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 16, 2025 · Amount on Record
Deed SaleJan 16, 2025 · Amount on Record
Prior SaleJun 19, 2012 · Amount on Record
Deed Document Number2025218
Record UpdatedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionISLE OF WIGHT VA
Recording DateMay 05, 2026
Property Address203 SUNRISE BLUFF LN, SMITHFIELD, VA 23430-2319
Document Number0000002150
Instrument DateApr 28, 2026
Instrument20262150
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address203 SUNRISE BLUFF LN, SMITHFIELD, VA 23430-2319

Mortgage

Document Number0000002150,
DateMay 05, 2026
Instrument20262150
Lender
NameLANGLEY FEDERAL CREDIT UNION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2056
Interest
Rate TypeFixed Rate
Rate4.99%
Initial TypeFixed Rate
Max Rate-1%

January 2025: Deed, Transfer

Document TypeDeed
JurisdictionISLE OF WIGHT VA
Recording DateJan 16, 2025
Property Address203 SUNRISE BLUFF LN, SMITHFIELD, VA 23430-2319
Document Number0250000218
Map ReferenceMB 14 PG 35
Instrument DateJan 11, 2025
Instrument250000218
Transaction TypeTransfer
Record UpdatedApr 03, 2026
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NATL TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$600.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address203 SUNRISE BLUFF LN, SMITHFIELD, VA 23430-2319

Mortgage

Document Number0250000219
DateJan 16, 2025
Instrument250000219
Lender
NameTOWNEBANK MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2055

Tax Assessment & Valuation

Source: Isle Of Wight County records · Assessment roll updated October 9, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateVirginia
CountyIsle Of Wight County
Unified School DistrictIsle of Wight County Public Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,271.00$551,100 (-) Land $106,000 Building $445,100$551,100 (-) Land $106,000 Building $445,100
2023$551,100 Land $106,000 Building $445,100$551,100 Land $106,000 Building $445,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Isle Of Wight County (51093C), as of January 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510932801043, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 27 policies
Nearby Flood Policies27 in force
Nearby Flood Claims7 (1999–2009)
Claims Outside the SFHA6 of 7
Most Recent ClaimNov 2009 · Severe Storms And Flooding Associated With Tropical Depression Ida And A Nor'east
Claims by Event
  • Severe Storms And Flooding Associated With Tropical Depression Ida And A Nor'east, Nov 2009 · 2 claims
  • Hurricane Isabel, Sep 2003 · 4 claims

Wildfire

Wildfire RiskLow
lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood0.02% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20

Based on FCC filings for 181 locations within half a mile of this property.

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