439 Smith St, Suffolk, VA 23434 Property Records

Suffolk City property record for 439 Smith St, Suffolk, VA 23434

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,528 sqft · built 2025
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$329,999 (Oct 2025)
Tax Bill	$1,593 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Feb 2025 Sale
APN	`34G23(A)*48`

Property Details

APN / Parcel Number

Primary APN	`34G23(A)*48`
Alternative APN	`352661175`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,528 sqft Living Area

Exterior

Year Built	Built 2025
Lot Area	9,583 sqft (0.219 acres)

Location & Zoning

Account Number	352661175
Street Address	439 SMITH ST
City	SUFFOLK
State	VA
Zip	23434-5350
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES MEDIUM DENSITY
Legal Description	L.48 439 SMITH ST
Legal Subdivision	DOWNTOWN RESIDENCE BASE
Legal Lot Number	48
Jurisdiction	SUFFOLK CITY VA
Township / Civil Division	SUFFOLK
Census Block Group	2
Census Block	2019
Census Tract	65302

Owner

Source: Suffolk City records, as of December 24, 2025

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
Co-owner	Co-owner on Record
Mailing Address	98 KILBY SHORES DR STE 201, 201, SUFFOLK, VA 23434-6448
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2025	Bargain and Sale Deed, Transfer · VA Mortgage SOUTHERN TRUST MORTGAGE LLC
Feb 5, 2025	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2025 · Amount on Record
Deed Sale	Oct 9, 2025 · Amount on Record
Prior Sale	Feb 5, 2025 · Amount on Record
Deed Document Number	250011411
Record Updated	Jun 8, 2026

October 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Oct 9, 2025
Property Address	439 SMITH ST, SUFFOLK, VA 23434-5350
Document Number	0250011411
Map Reference	MB A PG 2
Instrument Date	Oct 1, 2025
Instrument	250011411
Transaction Type	Transfer
Record Updated	Dec 25, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	439 SMITH ST, SUFFOLK, VA 23434-5350

Mortgage

Document Number	0250011414
Date	Oct 9, 2025
Instrument	250011414

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Jan 1, 2031
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	7%
Index	1-Year CMT
Max Rate	7%

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Feb 5, 2025
Property Address	439 SMITH ST, SUFFOLK, VA 23434-5350
Document Number	0250001302
Instrument Date	Jan 27, 2025
Instrument	250001302
Transaction Type	Transfer
Record Updated	Dec 25, 2025
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	98 KILBY SHORES DR STE 201, 201, SUFFOLK, VA 23434-6448
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Suffolk City assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Suffolk City
Unified School District	Suffolk City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026			$148,900 (+203.26%) Land $49,100 Building $99,800
2025	$1,593.00 (+203.43%)	$148,900 (+203.26%) Land $49,100 Building $99,800	$49,100 (+4.91%) Land $49,100
2024	$525.00 (+2.94%)	$49,100 (+4.91%) Land $49,100
2023	$510.00	$46,800 Land $46,800	$46,800 Land $46,800

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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 93% of the US · lower than 95% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF SUFFOLK serves 69,822 people · EPA ID VA3800805
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	1 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 543 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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