Isle Of Wight County property record for 889 W Main St, Smithfield, VA 23430
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,092 sqft · built 1950 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | Company Name on File |
| Last Sale | $250,000 (Oct 2025) |
| Tax Bill | $1,040 (2026) |
| Deeds & Mortgages | Jan 2026 Mortgage Oct 2025 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-01-050 |
| Primary APN | 21-01-050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,092 sqft Living Area |
| 1st Floor Area | 1,092 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,860 sqft (0.41 acres) |
| Terrain | Rolling |
| Cooling System | Central |
|---|---|
| Heating Fuel | Oil |
| Street Address | 889 W MAIN ST |
|---|---|
| City | SMITHFIELD |
| State | VA |
| Zip | 23430-1037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TOWN |
| Legal Description | ADJ SELF LOT PLAT ATTACHED TO I#170003497 |
| Jurisdiction | ISLE OF WIGHT VA |
| Township / Civil Division | HARDY |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 280105 |
889 W Main St is owned by a company that bought it in October 2025.
Source: Isle Of Wight County records, as of September 21, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 208B GUMWOOD DR, SMITHFIELD, VA 23430-6087 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 6, 2026 | Deed of Trust, Mortgage · Commercial Mortgage ACI FUND 2 LLC |
| Oct 15, 2025 | Bargain and Sale Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 15, 2025 · Amount on File |
| Deed Sale | Oct 15, 2025 · Amount on File |
| Prior Sale | Aug 15, 2017 · Amount on File |
| Deed Document Number | 20254647 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLE OF WIGHT VA |
| Property Address | 889 W MAIN ST, SMITHFIELD, VA 23430-1037 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|---|
| Address | 22058 OLD MACKLESFIELD RD, CARROLLTON, VA 23314-3813 |
| Document Number | 0260000087 |
|---|---|
| Date | Jan 6, 2026 |
| Instrument | 260000087 |
| Name | ACI FUND 2 LLC |
|---|---|
| Address | AUSTIN, TX 78746 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ISLE OF WIGHT VA |
| Recording Date | Oct 15, 2025 |
| Property Address | 889 W MAIN ST, SMITHFIELD, VA 23430-1037 |
| Document Number | 0250004647 |
| Instrument Date | Oct 10, 2025 |
| Instrument | 250004647 |
| Transaction Type | Transfer |
| Record Updated | Nov 26, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $250.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 208 GUMWOOD DR # B, B, SMITHFIELD, VA 23430-6087 |
The 2026 property tax bill for 889 W Main St was $1,040, up 4.5% from the year before.
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 | $1,040.00 (+4.52%) | $128,500 (-) Land $45,000 Building $83,500 | $128,500 (-) Land $45,000 Building $83,500 |
| 2025 | $995.00 | $128,500 Land $45,000 Building $83,500 | $128,500 Land $45,000 Building $83,500 |
| 2023 | $128,500 Land $45,000 Building $83,500 | $128,500 Land $45,000 Building $83,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 889 W Main St in Zone X, an area of minimal flood risk, though there have been 52 flood claims nearby since 1982.
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.
Wildfire risk around 889 W Main St is low, with a 0.02% annual chance of wildfire.
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 | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 38 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 |
May also be available: Verizon.
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