Isle Of Wight County property record for 233 Cary St, Smithfield, VA 23430
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,615 sqft · built 2001 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on File |
| Last Sale | $385,000 (Oct 2025) |
| Tax Bill | $2,762 (2026) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Feb 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21A-04-000I10 |
| Primary APN | 21A-04-000I10 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,615 sqft Living Area |
| 1st Floor Area | 1,696 sqft |
| Family Room | Family Room |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Type | Attached |
| Garage Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Street Address | 233 CARY ST |
|---|---|
| City | SMITHFIELD |
| State | VA |
| Zip | 23430-1103 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TOWN |
| Legal Description | ADJ J B THACKER 233 CARY STREET PLAT 2-71-11 |
| Legal Subdivision | S DAWSON MOODY PROP |
| Jurisdiction | ISLE OF WIGHT VA |
| Township / Civil Division | HARDY |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 280105 |
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.
233 Cary St is owned and occupied by an individual who bought it in October 2025.
Source: Isle Of Wight County records, as of September 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 233 CARY ST, SMITHFIELD, VA 23430-1103 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 1, 2025 | Bargain and Sale Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Feb 25, 2025 | Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 1, 2025 · Amount on File |
| Deed Sale | Oct 1, 2025 · Amount on File |
| Prior Sale | Feb 25, 2025 · Amount on File |
| Deed Document Number | 20254399 |
| Prior Transfer Date | Jul 23, 2024 |
| Prior Transfer Doc | 0000003350 |
| Record Updated | Oct 29, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ISLE OF WIGHT VA |
| Recording Date | Oct 1, 2025 |
| Property Address | 233 CARY ST, SMITHFIELD, VA 23430-1103 |
| Document Number | 0250004399 |
| Map Reference | CAB 2 SL 71 PG 11 |
| Instrument Date | Sep 24, 2025 |
| Instrument | 250004399 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $385.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 233 CARY ST, SMITHFIELD, VA 23430-1103 |
| Document Number | 0250004400 |
|---|---|
| Date | Oct 1, 2025 |
| Instrument | 250004400 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ISLE OF WIGHT VA |
| Recording Date | Feb 25, 2025 |
| Property Address | 233 CARY ST, SMITHFIELD, VA 23430-1103 |
| Document Number | 0250000773 |
| Map Reference | CAB 2 SL 71 PG 11 |
| Instrument Date | Feb 18, 2025 |
| Instrument | 250000773 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $410.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 233 CARY ST, SMITHFIELD, VA 23430-1103 |
| Document Number | 0250000774 |
|---|---|
| Date | Feb 25, 2025 |
| Instrument | 250000774 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2055 |
The 2026 property tax bill for 233 Cary St was $2,762, up 4.5% from the year before.
Source: Isle Of Wight County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Isle Of Wight County |
| Municipality | Smithfield Town |
| Unified School District | Isle of Wight County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,762.00 (+4.54%) | $341,000 (-) Land $70,000 Building $271,000 | $341,000 (-) Land $70,000 Building $271,000 |
| 2025 | $2,642.00 | $341,000 Land $70,000 Building $271,000 | $341,000 Land $70,000 Building $271,000 |
| 2023 | $341,000 Land $70,000 Building $271,000 | $341,000 Land $70,000 Building $271,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 233 Cary St in Zone X, an area of minimal flood risk, though there have been 52 flood claims nearby since 1982.
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 |
|
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 risk around 233 Cary St is low, with 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 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.01% 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.
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 |
| 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.
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 |
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