205 Mariners Cir, Smithfield, VA 23430 Property Records

Isle Of Wight County property record for 205 Mariners Cir, Smithfield, VA 23430

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,435 sqft · built 1989
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on File
Last Sale	$616,040 (May 2025)
Tax Bill	$4,569 (2026)
Deeds & Mortgages	May 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23F-03-028`

Property Details

APN / Parcel Number

Primary APN	`23F-03-028`
Alternative APNs	`4500714990` `6559`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,435 sqft Living Area
1st Floor Area	3,885 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Brick
Construction Type	Brick
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,731 sqft (0.43 acres)
Garage Type	Attached
Garage Area	1,005 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	205 MARINERS CIR
City	SMITHFIELD
State	VA
Zip	23430-5629
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NC
Legal Description	LOT 28 MARINERS POINTE NEIGHBORHOOD PLAT BK14/192
Legal Subdivision	MARINERS POINTE/GATLING POINTE
Legal Lot Number	28
Jurisdiction	ISLE OF WIGHT VA
Township / Civil Division	SMITHFIELD
Census Block Group	3
Census Block	3002
Census Tract	280104

Owner

205 Mariners Cir is owned and occupied by two individuals who bought it in May 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	205 MARINERS CIR, SMITHFIELD, VA 23430-5629
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2025 · Amount on File
Deed Sale	May 7, 2025 · Amount on File
Prior Sale	Mar 9, 2021
Deed Document Number	20251869
Prior Transfer Date	Jan 31, 2020
Prior Transfer Doc	0000000618
Record Updated	Oct 29, 2026

May 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ISLE OF WIGHT VA
Recording Date	May 7, 2025
Property Address	205 MARINERS CIR, SMITHFIELD, VA 23430-5629
Document Number	0250001869
Map Reference	MB 14 PG 192
Instrument Date	May 2, 2025
Instrument	250001869
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	FIRST AMER TITLE INS COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$616.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	205 MARINERS CIR, SMITHFIELD, VA 23430-5629

Mortgage

Document Number	0250001870
Date	May 7, 2025
Instrument	250001870

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	FAIRFAX, VA 22031

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 205 Mariners Cir was $4,569, 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	$4,569.00 (+4.53%)	$564,100 (-) Land $85,000 Building $479,100	$564,100 (-) Land $85,000 Building $479,100
2025	$4,371.00	$564,100 Land $85,000 Building $479,100	$564,100 Land $85,000 Building $479,100
2023		$564,100 Land $85,000 Building $479,100	$564,100 Land $85,000 Building $479,100

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

Flood

FEMA maps place 205 Mariners Cir 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 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
Flood Insurance Cost	Premium on File median of 27 policies
Nearby Flood Policies	27 in force
Nearby Flood Claims	7 (1999–2009)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Nov 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

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 205 Mariners Cir is low, with less than 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 95% of the US · lower than 97.5% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 112 locations within half a mile, as of December 31, 2025

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