204 Grace St, Smithfield, VA 23430 Property Records

Isle Of Wight County property record for 204 Grace St, Smithfield, VA 23430

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,112 sqft · built 1836
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Aug 2016)
Tax Bill	$3,218 (2026)
Deeds & Mortgages	Mar 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21A-01-115`

Property Details

APN / Parcel Number

Primary APN	`21A-01-115`
Alternative APNs	`5500699900` `2969`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,112 sqft Living Area
1st Floor Area	2,969 sqft
Basement Area	857 sqft
Unfinished Basement	857 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1836
Effective Year Built	Effective 1836
Exterior Material	Combination
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,988 sqft (0.39 acres)
Garage Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Street Address	204 GRACE ST
City	SMITHFIELD
State	VA
Zip	23430-1110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TOWN
Legal Description	204 N INSTITUTE ST
Jurisdiction	ISLE OF WIGHT VA
Township / Civil Division	HARDY
Census Block Group	3
Census Block	3004
Census Tract	280105

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Smithfield Historic District listed 1973 · 55 contributing resources · NRIS 73002022

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	204 GRACE ST, SMITHFIELD, VA 23430-1110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2016 · Amount on Record
Deed Sale	Aug 24, 2016 · Amount on Record
Prior Sale	Dec 6, 2007
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLE OF WIGHT VA
Property Address	204 GRACE ST, SMITHFIELD, VA 23430-1110
Transaction Type	Mortgage
Record Updated	Apr 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 GRACE ST, SMITHFIELD, VA 23430-1110

Mortgage

Document Number	0260001236
Date	Mar 16, 2026
Instrument	260001236

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company
Address	NORFOLK, VA 23510

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	7.68%
Type Change Date	Apr 1, 2036
Change Frequency	Annually
Min Rate At Change	5.68%
Max Rate At Change	9.68%
Index	1-Year CMT
Max Rate	12.6%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,218.00 (+2.98%)	$397,300 (-1.49%) Land $95,000 Building $302,300	$397,300 (-1.49%) Land $95,000 Building $302,300
2025	$3,125.00	$403,300 (-) Land $95,000 Building $308,300	$403,300 (-) Land $95,000 Building $308,300
2023		$403,300 Land $95,000 Building $308,300	$403,300 Land $95,000 Building $308,300

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

Flood

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	52 (1982–2020)
Claims Outside the SFHA	10 of 52
Most Recent Claim	Sep 2020 · river or lake flooding
Claims by Event	Hurricane Florence, Sep 2018 · 3 claims Severe Storms And Flooding Associated With Tropical Depression Ida And A Nor'east, Nov 2009 · 11 claims Hurricane Isabel, Sep 2003 · 4 claims

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

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	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF SMITHFIELD serves 8,089 people · EPA ID VA3093640
Water Source	Groundwater
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20