Albemarle County property record for 978 Smith Rd, Afton, VA 22920
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,112 sqft · built 1996 |
| Lot Size | 2.97 acres (129,417 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $5,848 (2026) |
| Deeds & Mortgages | Jun 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 06900-00-00-022A2 |
| Primary APN | 06900-00-00-022A2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,112 sqft Finished Area |
| Basement Area | 672 sqft |
| Unfinished Basement | 672 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Split Level |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 129,417 sqft (2.97 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 500 sqft |
| Greenhouse | 180 sqft |
| Storage Building | 384 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 978 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 2 |
| Jurisdiction | ALBEMARLE VA |
| Township / Civil Division | SAMUEL MILLER |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 11201 |
Source: Albemarle County records, as of August 18, 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 Record |
|---|---|
| Mailing Address | 978 SMITH RD, AFTON, VA 22920-1702 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 978 SMITH RD, AFTON, VA 22920-1702 |
| Document Number | 0000006965 |
| Instrument Date | Jun 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2019 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|---|
| Address | 978 SMITH RD AFTON VA 229201702, AFTON, VA 22920-1702 |
| Document Number | 0000006965 |
|---|---|
| Date | Jul 8, 2019 |
| Book Page | 005188/000437 |
| Instrument | 6965 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 7, 2049 |
Source: Albemarle County assessment roll, as of June 15, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Albemarle County |
| Unified School District | Albemarle County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,848.00 (+7.6%) | $654,100 (+10.28%) Land $176,500 Building $477,600 | $654,100 (+10.28%) Land $176,500 Building $477,600 |
| 2025 | $5,435.00 (+7.31%) | ||
| 2023 | $5,065.00 | $593,100 Land $157,000 Building $436,100 | $593,100 Land $157,000 Building $436,100 |
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 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.
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.
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.
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures