346 Overlook Dr, Chilhowie, VA 24319 Property Records

Smyth County property record for 346 Overlook Dr, Chilhowie, VA 24319

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,056 sqft · built 1998
Lot Size	0.22 acres (9,694 sqft)
Owner	Individual Name on Record
Last Sale	$152,500 (Sep 2025)
Tax Bill	$671 (2026)
Deeds & Mortgages	Sep 2025 Sale Sep 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`53D4-1-10`

Property Details

APN / Parcel Number

Primary APN	`53D4-1-10`
Alternative APN	`153536`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
Gross Area	1,224 sqft
1st Floor Area	1,056 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,694 sqft (0.22 acres)
Porch	Porch
Porch Area	72 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	153536
Street Address	346 OVERLOOK DR
City	CHILHOWIE
State	VA
Zip	24319-6013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OVERLOOK SD LOT 10 53D4 1 10
Legal Subdivision	OVERLOOK
Legal Lot Number	10
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	Individual Name on Record
Mailing Address	346 OVERLOOK DR, CHILHOWIE, VA 24319-6013
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2025	Bargain and Sale Deed, Transfer ACCOMODATION, ACCOMMODATION
Sep 26, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage EASTMAN CREDIT UNION
Aug 25, 2020	Warranty Deed, Transfer · FHA Mortgage CONSUMER REAL ESTATE FINANCE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2025 · Amount on Record
Deed Sale	Sep 22, 2025 · Amount on Record
Prior Sale	Aug 25, 2020 · Amount on Record
Deed Document Number	20252079
Deed Book / Page	1112 / 4211
Record Updated	Oct 29, 2026

September 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	SMYTH VA
Recording Date	Sep 22, 2025
Property Address	346 OVERLOOK DR, CHILHOWIE, VA 24319-6013
Document Number	01112/4211
Book / Page	1112 / 4211
Map Reference	MB 10 PG 82
Instrument Date	Sep 19, 2025
Instrument	250002079
Transaction Type	Transfer
Record Updated	Oct 14, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$152.50
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 OVERLOOK DR, CHILHOWIE, VA 24319-6013

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMYTH VA
Property Address	346 OVERLOOK DR, CHILHOWIE, VA 24319-6013
Transaction Type	Mortgage
Record Updated	Oct 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001091/420
Date	Sep 26, 2022
Book Page	1091/420
Instrument	220002464

Lender

Name	EASTMAN CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 15, 2037

Interest

Rate Type	Fixed Rate
Rate	5.75%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SMYTH VA
Recording Date	Aug 25, 2020
Property Address	346 OVERLOOK DR, CHILHOWIE, VA 24319-6013
Document Number	1055/700
Book / Page	1055 / 700
Instrument Date	Aug 25, 2020
Instrument	200001998
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

Mortgage

Document Number	200001999
Date	Aug 25, 2020
Instrument	200001999

Lender

Name	CONSUMER REAL ESTATE FINANCE CO

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$671.00 (+16.9%)	$97,300 (-) Land $12,000 Building $85,300	$97,300 (-) Land $12,000 Building $85,300
2025	$574.00	$97,300 (-) Land $12,000 Building $85,300	$97,300 (-) Land $12,000 Building $85,300
2024	$574.00 (+44.22%)	$97,300 (+80.52%) Land $12,000 Building $85,300	$97,300 (+80.52%) Land $12,000 Building $85,300
2023	$398.00	$53,900 Land $10,000 Building $43,900	$53,900 Land $10,000 Building $43,900

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 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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