346 Loves Mill Rd, Chilhowie, VA 24319 Property Records

Smyth County property record for 346 Loves Mill Rd, Chilhowie, VA 24319

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,627 sqft · built 1825
Lot Size	0.81 acres (35,284 sqft)
Owner	Individual Name on Record
Last Sale	$65,000 (Feb 2021)
Tax Bill	$705 (2026)
Deeds & Mortgages	Apr 2021 Refinance Feb 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`65-A-45`

Property Details

APN / Parcel Number

Primary APN	`65-A-45`
Alternative APN	`67938`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,627 sqft Living Area
Gross Area	2,403 sqft
1st Floor Area	987 sqft
Basement Area	740 sqft
Unfinished Basement	740 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1825
Effective Year Built	Effective 1825
Roof Type	Gable
Lot Area	35,284 sqft (0.81 acres)
Garage Type	Carport
Garage Area	440 sqft
Carport	Carport
Carport Area	440 sqft
Porch	Porch
Porch Area	336 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	67938
Street Address	346 LOVES MILL RD
City	CHILHOWIE
State	VA
Zip	24319-5935
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S ST RD 762 PARCEL B 65 A 45
Legal Subdivision	PATRICIA D OLIVER
Jurisdiction	SMYTH VA
Township / Civil Division	CHILHOWIE
Census Block Group	3
Census Block	3007
Census Tract	30702

Owner

Source: Smyth County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	346 LOVES MILL RD, CHILHOWIE, VA 24319-5935
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST COMMUNITY BANK
Feb 11, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2021 · Amount on Record
Deed Sale	Feb 11, 2021 · Amount on Record
Deed Document Number	2021331
Deed Book / Page	1062 / 969
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMYTH VA
Property Address	346 LOVES MILL RD, CHILHOWIE, VA 24319-5935
Transaction Type	Mortgage
Record Updated	May 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1066/85
Date	Apr 19, 2021
Book Page	1066/85
Instrument	210000954

Lender

Name	FIRST COMMUNITY BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	240 Months
Due	Apr 14, 2041

Interest

Rate Type	Fixed Rate
Rate	3.75%

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SMYTH VA
Recording Date	Feb 11, 2021
Property Address	346 LOVES MILL RD, CHILHOWIE, VA 24319-5935
Document Number	1062/969
Book / Page	1062 / 969
Instrument Date	Feb 8, 2021
Instrument	210000331
Transaction Type	Transfer
Record Updated	Oct 28, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
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	346 LOVES MILL RD, CHILHOWIE, VA 24319-5935

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Virginia
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	$705.00 (+16.92%)	$102,300 (-) Land $18,000 Building $84,300	$102,300 (-) Land $18,000 Building $84,300
2025	$603.00 (+17.77%)	$102,300 (+47.62%) Land $18,000 Building $84,300	$102,300 (+47.62%) Land $18,000 Building $84,300
2023	$512.00	$69,300 Land $15,000 Building $54,300	$69,300 Land $15,000 Building $54,300

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	4 (2019–2025)
Most Recent Claim	Feb 2025 · river or lake flooding
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 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	Moderate above 45% of the US · above 72% of Virginia
Wildfire Likelihood	0.09% 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 44 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
SmythNet Fixed Wireless	100 / 100

Cell Coverage

No cell data coverage reported

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