231 James St, Smithfield, VA 23430 Property Records

Isle Of Wight County property record for 231 James St, Smithfield, VA 23430

Property Summary

Property Type	Residential Vacant Land
Details	4 bd · 4 ba · 3,357 sqft · built 1912
Lot Size	0.43 acres (18,657 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,000 (Jul 2026)
Tax Bill	$465 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21A-01-181`

Property Details

APN / Parcel Number

Primary APN	`21A-01-181`
Alternative APNs	`5500298500` `3036`

Exterior

Lot Area	18,657 sqft (0.43 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	JAMES ST
City	SMITHFIELD
State	VA
Zip	23430
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	TOWN
Legal Description	ADJ SCHOOL
Jurisdiction	ISLE OF WIGHT VA
Township / Civil Division	HARDY
Census Block Group	3
Census Block	3002
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 August 4, 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	231 JAMES ST, SMITHFIELD, VA 23430-1115
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2026 · Amount on Record
Deed Sale	Jul 22, 2026 · Amount on Record
Prior Sale	Oct 31, 2003 · Amount on Record
Deed Document Number	20263530
Record Updated	Sep 20, 2026

July 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ISLE OF WIGHT VA
Recording Date	Jul 22, 2026
Property Address	JAMES ST, SMITHFIELD, VA 23430
Document Number	0000003530
Instrument Date	Jul 20, 2026
Instrument	20263530
Transaction Type	Transfer
Record Updated	Aug 4, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$58,075.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 JAMES ST, SMITHFIELD, VA 23430-1115

Mortgage

Document Number	0000003531,
Date	Jul 22, 2026
Instrument	20263531

Lender

Name	SOUTHERN TRUST MORTGAGE

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Isle Of Wight County assessment roll, as of October 9, 2025

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
2025	$465.00	$60,000 (-) Land $60,000	$60,000 (-) Land $60,000
2023		$60,000 Land $60,000	$60,000 Land $60,000

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

Flood

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	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