428 Spring Hill Pl, Smithfield, VA 23430 Property Records

Isle Of Wight County property record for 428 Spring Hill Pl, Smithfield, VA 23430

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,800 sqft · built 2017
Lot Size	0.048 acres (2,100 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,392 (2025)
Deeds & Mortgages	Apr 2025 Mortgage Mar 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`32-01-075A298`

Property Details

APN / Parcel Number

Primary APN	`32-01-075A298`
Alternative APN	`24693`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,800 sqft Living Area
Gross Area	2,160 sqft
Basement Area	720 sqft
Finished Basement	360 sqft
Game Room	Game Room

Exterior

Year Built	Built 2017
Roof Material	Asphalt
Lot Area	2,100 sqft (0.048 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	428 SPRING HILL PL
City	SMITHFIELD
State	VA
Zip	23430-6377
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 298 BENNS GRANT SUBDVISION PH 3A PLAT I#170000695
Legal Subdivision	BENNS GRANT SUB
Legal Lot Number	298
Jurisdiction	ISLE OF WIGHT VA
Township / Civil Division	WINDSOR
Census Block Group	1
Census Block	1032
Census Tract	280105

Owner

Source: Isle Of Wight County records · APN 32-01-075A298

Assessment roll updated January 1, 2025 · Last verified October 2025

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 File
Mailing Address	428 SPRING HILL PL, SMITHFIELD, VA 23430-6377
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 12, 2025	Gift Deed, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 12, 2025
Deed Sale	Mar 12, 2025
Record Updated	Jun 08, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLE OF WIGHT VA
Property Address	428 SPRING HILL PL, SMITHFIELD, VA 23430-6377
Transaction Type	Mortgage
Record Updated	Nov 26, 2025
Title Company	RTS TITLE AND ESCROW, FORTIS TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 SPRING HILL PL, SMITHFIELD, VA 23430-6377

Mortgage

Document Number	0250001528
Date	Apr 15, 2025
Instrument	250001528

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2055

March 2025: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	ISLE OF WIGHT VA
Recording Date	Mar 12, 2025
Property Address	428 SPRING HILL PL, SMITHFIELD, VA 23430-6377
Document Number	0250000998
Instrument Date	Mar 07, 2025
Instrument	250000998
Transaction Type	Transfer
Record Updated	Nov 26, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	428 SPRING HILL PL, SMITHFIELD, VA 23430-6377

Tax Assessment & Valuation

Source: Isle Of Wight County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Isle Of Wight County
Unified School District	Isle of Wight County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,392.00	$308,700 (-) Land $60,000 Building $248,700	$308,700 (-) Land $60,000 Building $248,700
2023		$308,700 Land $60,000 Building $248,700	$308,700 Land $60,000 Building $248,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 8, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	3 (2006–2012)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Oct 2012 · Hurricane Sandy

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 171 locations within half a mile of this property.

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