204 Saint Andrews, Smithfield, VA 23430 Property Records

Isle Of Wight County property record for 204 Saint Andrews, Smithfield, VA 23430

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,117 sqft · built 2023
Lot Size	0.218 acres (9,496 sqft)
Owner	Individual Name on File
Last Sale	$750,000 (Apr 2025)
Tax Bill	$5,439 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Apr 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21E-02-010`

Property Details

APN / Parcel Number

Primary APN	`21E-02-010`
Alternative APN	`26251`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	4,117 sqft Living Area
1st Floor Area	5,814 sqft
Attic	Attic
Attic Area	504 sqft
Basement Area	1,770 sqft
Finished Basement	1,196 sqft
Game Room	Game Room

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Roof Material	Asphalt
Lot Area	9,496 sqft (0.218 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Gas
Sewer	Connected

Location & Zoning

Street Address	204 SAINT ANDREWS
City	SMITHFIELD
State	VA
Zip	23430-6830
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 CYPRESS CREEK PH 6 SEC 1 PLAT I#210852
Legal Subdivision	CYPRESS CREEK PH 6 SEC 1
Legal Lot Number	10
Jurisdiction	ISLE OF WIGHT VA
Township / Civil Division	SMITHFIELD
Census Block Group	1
Census Block	1000
Census Tract	280105

Owner

204 Saint Andrews is owned and occupied by an individual who bought it in April 2025.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	204 SAINT ANDREWS, SMITHFIELD, VA 23430-6830
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2026	Deed of Trust, Mortgage · VA Mortgage FIRST COMMUNITY MORTGAGE INC
Apr 28, 2025	Deed, Transfer · VA Mortgage CITYWORTH MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2025 · Amount on File
Deed Sale	Apr 28, 2025 · Amount on File
Prior Sale	Aug 25, 2023 · Amount on File
Deed Document Number	20251711
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLE OF WIGHT VA
Property Address	204 SAINT ANDREWS, SMITHFIELD, VA 23430-6830
Transaction Type	Mortgage
Record Updated	Feb 25, 2026
Title Company	POWERHOUSE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 SAINT ANDREWS, SMITHFIELD, VA 23430-6830

Mortgage

Document Number	0260000616
Date	Feb 6, 2026
Instrument	260000616

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company
Address	MURFREESBORO, TN 37129

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2056

April 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ISLE OF WIGHT VA
Recording Date	Apr 28, 2025
Property Address	204 SAINT ANDREWS, SMITHFIELD, VA 23430-6830
Document Number	0250001711
Instrument Date	Mar 28, 2025
Instrument	250001711
Transaction Type	Transfer
Record Updated	Nov 26, 2025
Title Company	CLA TITLE AND ESCROW, C L A TITLE & ESCROW

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 SAINT ANDREWS, SMITHFIELD, VA 23430-6830

Mortgage

Document Number	0250001712
Date	Apr 28, 2025
Instrument	250001712

Lender

Name	CITYWORTH MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 204 Saint Andrews was $5,439, 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
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	$5,439.00 (+4.52%)	$671,600 (-) Land $95,000 Building $576,600	$671,600 (-) Land $95,000 Building $576,600
2025	$5,204.00	$671,600 Land $95,000 Building $576,600	$671,600 Land $95,000 Building $576,600
2023		$95,000 Land $95,000	$95,000 Land $95,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 204 Saint Andrews 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 204 Saint Andrews is low, with a 0.02% 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	0.02% 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 115 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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