Isle Of Wight County property record for 521 Main St, Smithfield, VA 23430
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,266 sqft · built 1977 |
| Lot Size | 0.73 acres (31,799 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $92,500 (May 1992) |
| Tax Bill | $2,764 (2026) |
| Deeds & Mortgages | Oct 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21A-01-223B |
| Primary APN | 21A-01-223B |
|---|---|
| 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 | 1 Story |
| Building Area | 2,266 sqft Living Area |
| 1st Floor Area | 2,266 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | No Foundation |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 31,799 sqft (0.73 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Street Address | 521 MAIN ST |
|---|---|
| City | SMITHFIELD |
| State | VA |
| Zip | 23430-1330 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TOWN |
| Legal Description | ADJ HILL ST BAPT CH |
| Legal Subdivision | HILL STREET BAPTIST CHURCH |
| Jurisdiction | ISLE OF WIGHT VA |
| Township / Civil Division | HARDY |
| Census Block Group | 3 |
| Census Block | 3031 |
| Census Tract | 280105 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Smithfield Historic District listed 1973 · 55 contributing resources · NRIS 73002022 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Isle Of Wight County records, as of September 21, 2026
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 Record |
|---|---|
| Mailing Address | 521 MAIN ST, SMITHFIELD, VA 23430-1330 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 29, 1992 · Amount on Record |
| Deed Sale | May 29, 1992 · Amount on Record |
| Deed Book / Page | 398 / 264 |
| Last Transfer Date | Dec 5, 2019 |
| Transfer Doc | 0000005336 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLE OF WIGHT VA |
| Property Address | 521 MAIN ST, SMITHFIELD, VA 23430-1330 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2025 |
| Title Company | COMMONWEALTH LAND TITLE INSURANCE COMPANY, COMMONWEALTH LAND TTL INS CO |
| Name | Verified Name |
|---|
| Document Number | 0250004817 |
|---|---|
| Date | Oct 24, 2025 |
| Instrument | 250004817 |
| Name | SUN WEST MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | CERRITOS, CA 90703 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Nov 1, 2052 |
Source: Isle Of Wight County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Isle Of Wight County |
| Municipality | Smithfield Town |
| Unified School District | Isle of Wight County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,764.00 (+4.5%) | $341,300 (-) Land $75,000 Building $266,300 | $341,300 (-) Land $75,000 Building $266,300 |
| 2025 | $2,645.00 | $341,300 (-) Land $75,000 Building $266,300 | $341,300 (-) Land $75,000 Building $266,300 |
| 2023 | $341,300 Land $75,000 Building $266,300 | $341,300 Land $75,000 Building $266,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective January 8, 2026 · 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 | 52 (1982–2020) |
| Claims Outside the SFHA | 10 of 52 |
| Most Recent Claim | Sep 2020 · river or lake flooding |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF SMITHFIELD serves 8,089 people · EPA ID VA3093640 |
|---|---|
| Water Source | Groundwater |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 129 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Verizon.
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