943 Smith Rd, Afton, VA 22920 Property Records

Albemarle County property record for 943 Smith Rd, Afton, VA 22920

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,106 sqft · built 1940
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$70,000 (Dec 2017)
Tax Bill	$1,937 (2026)
Deeds & Mortgages	Dec 2017 Sale & Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06900-00-00-04300`

Property Details

APN / Parcel Number

Primary APN	`06900-00-00-04300`
Alternative APN	`28596`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,106 sqft Finished Area
Flooring	Wood

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1974
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Porch	Slab
Deck Area	32 sqft
Patio Area	52 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Wood

Location & Zoning

Street Address	943 SMITH RD
City	AFTON
State	VA
Zip	22920-1702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	ACREAGE
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SAMUEL MILLER
Census Block Group	2
Census Block	2028
Census Tract	11201

Owner

943 Smith Rd is owned and occupied by an individual who bought it in December 2017.

Source: Albemarle County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	943 SMITH RD, AFTON, VA 22920-1702
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2017	Grant Deed, Transfer · Conventional with PMI MEMBER OPTIONS
Dec 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage MEMBER OPTIONS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2017 · Amount on File
Deed Sale	Dec 1, 2017 · Amount on File
Deed Document Number	201714003
Deed Book / Page	4990 / 275
Prior Transfer Date	Feb 25, 2016
Prior Transfer Doc	0000001764
Record Updated	Sep 20, 2026

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Dec 1, 2017
Property Address	943 SMITH RD, AFTON, VA 22920-1702
Document Number	0000014003
Book / Page	004990 / 000275
Instrument Date	Dec 1, 2017
Instrument	14003
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$70.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	943 SMITH RD AFTON VA 229201702, AFTON, VA 22920-1702

Mortgage

Document Number	14005
Date	Dec 1, 2017
Book Page	004990/000285
Instrument	14005

Lender

Name	MEMBER OPTIONS
Address	CHARLOTTESVILLE, VA 22903

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 30, 2047

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	943 SMITH RD, AFTON, VA 22920-1702
Document Number	0000010373
Instrument Date	Dec 1, 2017
Transaction Type	Mortgage
Record Updated	Jan 15, 2019
Title Company	CHARLOTTESVILLE SETTLEMENT COMPANY, CHARLOTTESVILLE SETTLEMENT CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	943 SMITH RD AFTON VA 229201702, AFTON, VA 22920-1702

Mortgage

Document Number	0000010373
Date	Sep 13, 2018
Book Page	005095/000010
Instrument	10373

Lender

Name	MEMBER OPTIONS
Address	CHARLOTTESVILLE, VA 22903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 12, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 943 Smith Rd was $1,937, up 3.1% from the year before.

Source: Albemarle County assessment roll, as of June 15, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Albemarle County
Unified School District	Albemarle County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,937.00 (+3.14%)	$216,700 (+3.14%) Land $94,900 Building $121,800	$216,700 (+3.14%) Land $94,900 Building $121,800
2025	$1,878.00	$210,100 Land $94,900 Building $115,200	$210,100 Land $94,900 Building $115,200
2023	$1,286.00	$150,600 Land $84,400 Building $66,200	$150,600 Land $84,400 Building $66,200

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

Flood

FEMA maps place 943 Smith Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 3, 2023 · 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	1 in force

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

Wildfire risk around 943 Smith Rd is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 62% of Virginia
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
RiverStreet Networks Fixed Wireless	25 / 3

May also be available: Lingo Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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