Isle Of Wight County property record for 304 Durham St, Smithfield, VA 23430
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,392 sqft · built 2022 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on File |
| Last Sale | $318,000 (Sep 2022) |
| Tax Bill | $2,710 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 21G-01-010A |
| Primary APN | 21G-01-010A |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,392 sqft Living Area |
| 1st Floor Area | 1,392 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Roof Material | Asphalt |
| Lot Area | 4,792 sqft (0.11 acres) |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Gas |
| Sewer | Connected |
| Street Address | 304 DURHAM ST |
|---|---|
| City | SMITHFIELD |
| State | VA |
| Zip | 23430-2580 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TOWN |
| Legal Description | LOT 10A PH 1 CHURCH SQUARE PLAT 2-155-9 |
| Legal Subdivision | CHURCH SQUARE PH 1 |
| Legal Lot Number | 10A |
| Jurisdiction | ISLE OF WIGHT VA |
| Township / Civil Division | SMITHFIELD |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 280104 |
304 Durham St is owned and occupied by an individual who bought it in September 2022.
Source: Isle Of Wight County records, as of September 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 304 DURHAM ST, SMITHFIELD, VA 23430-2580 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 16, 2022 · Amount on File |
| Deed Sale | Sep 16, 2022 · Amount on File |
| Deed Document Number | 20224604 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLE OF WIGHT VA |
| Recording Date | Jul 13, 2026 |
| Property Address | 304 DURHAM ST, SMITHFIELD, VA 23430-2580 |
| Document Number | 0000003371 |
| Instrument Date | Jul 6, 2026 |
| Instrument | 20263371 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 304 DURHAM ST, SMITHFIELD, VA 23430-2580 |
| Document Number | 0000003371, |
|---|---|
| Date | Jul 13, 2026 |
| Instrument | 20263371 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
The 2026 property tax bill for 304 Durham St was $2,710, 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 | $2,710.00 (+4.51%) | $334,600 (-) Land $65,000 Building $269,600 | $334,600 (-) Land $65,000 Building $269,600 |
| 2025 | $2,593.00 | $334,600 Land $65,000 Building $269,600 | $334,600 Land $65,000 Building $269,600 |
| 2023 | $334,600 Land $65,000 Building $269,600 | $334,600 Land $65,000 Building $269,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 304 Durham St in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 1 (2006) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2006 · tidal / storm surge |
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 304 Durham St 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 96% of the US · lower than 98% 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.
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 140 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 |
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