320 Overlook Dr, Chilhowie, VA 24319 Property Records

Smyth County property record for 320 Overlook Dr, Chilhowie, VA 24319

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,232 sqft · built 1983
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$119,900 (May 2020)
Tax Bill	$937 (2026)
Deeds & Mortgages	Apr 2017 Refinance May 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`53D4-1-13`

Property Details

APN / Parcel Number

Primary APN	`53D4-1-13`
Alternative APN	`89608`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
Gross Area	2,716 sqft
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft
Unfinished Basement	1,232 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Roof Type	Gable
Lot Area	10,454 sqft (0.24 acres)
Porch	Porch
Porch Area	154 sqft
Deck Area	98 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	89608
Street Address	320 OVERLOOK DR
City	CHILHOWIE
State	VA
Zip	24319-6013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OVERLOOK DR LOT 13 53D4 1 13
Legal Subdivision	OVERLOOK
Legal Lot Number	13
Jurisdiction	SMYTH VA
Township / Civil Division	CHILHOWIE
Census Block Group	3
Census Block	3058
Census Tract	30701

Owner

Source: Smyth County records, as of October 20, 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	320 OVERLOOK DR, CHILHOWIE, VA 24319-6013
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2017	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
May 20, 2020	Warranty Deed, Transfer · Conventional Mortgage EASTMAN CREDIT UNION
Aug 19, 2019	Special Warranty Deed, Transfer · Conventional Mortgage THE FIRST BANK AND TRUST COMPANY
Jun 10, 2019	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2020 · Amount on Record
Deed Sale	May 20, 2020 · Amount on Record
Prior Sale	Aug 19, 2019 · Amount on Record
Deed Document Number	20201137
Deed Book / Page	1051 / 360
Prior Transfer Date	Apr 29, 2019
Prior Transfer Doc	1037/405
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMYTH VA
Property Address	320 OVERLOOK DR, CHILHOWIE, VA 24319-6013
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170000837
Date	Apr 4, 2017
Instrument	170000837

Lender

Name	QUICKEN LOANS INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2032

Interest

Rate Type	Fixed Rate
Rate	3.75%

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SMYTH VA
Recording Date	May 20, 2020
Property Address	320 OVERLOOK DR, CHILHOWIE, VA 24319-6013
Document Number	1051/360
Book / Page	1051 / 360
Instrument Date	May 20, 2020
Instrument	200001137
Transaction Type	Transfer
Record Updated	Oct 28, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 OVERLOOK DR, CHILHOWIE, VA 24319-6013

Mortgage

Document Number	200001138
Date	May 20, 2020
Instrument	200001138

Lender

Name	EASTMAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SMYTH VA
Recording Date	Aug 19, 2019
Property Address	320 OVERLOOK DR, CHILHOWIE, VA 24319-6013
Document Number	1040/428
Book / Page	1040 / 428
Instrument Date	Aug 12, 2019
Instrument	190001912
Transaction Type	Transfer
Record Updated	Oct 28, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20267 SHADOWOOD CIR, MEADOWVIEW, VA 24361-2003
Investor	Possibly a Property Investor

Mortgage

Document Number	190001913
Date	Aug 19, 2019
Instrument	190001913

Lender

Name	THE FIRST BANK AND TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SMYTH VA
Recording Date	Jun 10, 2019
Property Address	320 OVERLOOK DR, CHILHOWIE, VA 24319-6013
Document Number	1037/405
Book / Page	1037 / 405
Instrument Date	Apr 29, 2019
Instrument	190001317
Transaction Type	Foreclosure
Record Updated	Oct 28, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 W END AVE # 760W, 760W, NASHVILLE, TN 37203-1042

Tax Assessment & Valuation

Source: Smyth County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Chilhowie Town
County	Smyth County
Unified School District	Smyth County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$937.00 (+16.98%)	$135,900 (-) Land $12,000 Building $123,900	$135,900 (-) Land $12,000 Building $123,900
2025	$801.00 (+52.28%)	$135,900 (+90.87%) Land $12,000 Building $123,900	$135,900 (+90.87%) Land $12,000 Building $123,900
2023	$526.00	$71,200 Land $10,000 Building $61,200	$71,200 Land $10,000 Building $61,200

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 2, 2012 · 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	14 (1979–2024)
Claims Outside the SFHA	9 of 14
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 3 claims Severe Storms And Flooding, Nov 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 62% of the US · above 62% of Virginia
Wildfire Likelihood	0.07% 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 CHILHOWIE serves 4,625 people · EPA ID VA1173090
Water Source	Purchased groundwater influenced by surface water from CHILHOWIE_WCSA REGIONAL WTP
Last State Inspection	Aug 2025
Lead	8 ppb (2022–2024) 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 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Point Broadband Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
SmythNet Fixed Wireless	100 / 100
T-Mobile Fixed Wireless	100 / 20

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