Isle Of Wight County property record for 442 Watson Dr, Smithfield, VA 23430 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,208 sqft · built 1988 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | Individual Name on File |
| Last Sale | $425,000 (Jan 2025) |
| Tax Bill | $2,869 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Jan 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22H-01-018 |
| Primary APN | 22H-01-018 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,208 sqft Living Area |
| 1st Floor Area | 2,472 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,038 sqft (0.46 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 442 WATSON DR |
|---|---|
| City | SMITHFIELD |
| State | VA |
| Zip | 23430-1615 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L 18 SEC 1 MOONEFIELD PARK PLAT 13/224 |
| Legal Subdivision | MOONEFIELD PARK SEC ONE |
| Legal Lot Number | 18 |
| Jurisdiction | ISLE OF WIGHT VA |
| Township / Civil Division | SMITHFIELD |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 280104 |
Source: Isle Of Wight County records · APN 22H-01-018
Assessment roll updated October 9, 2025 · Last verified May 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 File |
|---|---|
| Mailing Address | 442 WATSON DR, SMITHFIELD, VA 23430-1615 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 06, 2026 | Deed of Trust, Mortgage · VA Mortgage CHANGE LENDING LLC |
| Jan 17, 2025 | Deed, Transfer · VA Mortgage SOUTHERN TRUST MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 17, 2025 · Amount on Record |
| Deed Sale | Jan 17, 2025 · Amount on Record |
| Prior Sale | Aug 18, 2023 · Amount on Record |
| Deed Document Number | 2025240 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLE OF WIGHT VA |
| Recording Date | Apr 06, 2026 |
| Property Address | 442 WATSON DR, SMITHFIELD, VA 23430-1615 |
| Document Number | 0000001613 |
| Instrument Date | Jan 23, 2026 |
| Instrument | 20261613 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 442 WATSON DR, SMITHFIELD, VA 23430-1615 |
| Document Number | 0000001613, |
|---|---|
| Date | Apr 06, 2026 |
| Instrument | 20261613 |
| Name | CHANGE LENDING LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | ISLE OF WIGHT VA |
| Recording Date | Jan 17, 2025 |
| Property Address | 442 WATSON DR, SMITHFIELD, VA 23430-1615 |
| Document Number | 0250000240 |
| Instrument Date | Jan 13, 2025 |
| Instrument | 250000240 |
| Transaction Type | Transfer |
| Record Updated | Nov 26, 2025 |
| Title Company | HAMPTON ROADS TITLE/VA INC, HAMPTON ROADS TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $425.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 442 WATSON DR, SMITHFIELD, VA 23430-1615 |
| Document Number | 0250000241 |
|---|---|
| Date | Jan 17, 2025 |
| Instrument | 250000241 |
| Name | SOUTHERN TRUST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2055 |
Source: Isle Of Wight County records · Assessment roll updated October 9, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Isle Of Wight County |
| Municipality | Smithfield Town |
| Unified School District | Isle of Wight County Public Schools (PK - 12) |
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 | $2,869.00 | $370,200 (-) Land $50,000 Building $320,200 | $370,200 (-) Land $50,000 Building $320,200 |
| 2023 | $370,200 Land $50,000 Building $320,200 | $370,200 Land $50,000 Building $320,200 |
Source: FEMA National Flood Hazard Layer, Isle Of Wight County (51093C), updated January 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510932801042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 3 (1999–2011) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Aug 2011, river or lake flooding, Hurricane Irene |
| Wildfire Risk | Low above 32% of the US · above 54% of Virginia |
|---|---|
| Wildfire Likelihood | About 1 in 4,348 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 112 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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