987 Smith Rd, Afton, VA 22920 Property Records

Albemarle County property record for 987 Smith Rd, Afton, VA 22920

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,232 sqft · built 2004
Lot Size	3.51 acres (152,939 sqft)
Owner	Individual Name on Record
Tax Bill	$3,294 (2026)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06900-00-00-038A0`

Property Details

APN / Parcel Number

Primary APN	`06900-00-00-038A0`
Alternative APN	`28587`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,232 sqft Finished Area
Basement Area	784 sqft
Unfinished Basement	784 sqft
Family Room	Family Room

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Wood
Lot Area	152,939 sqft (3.51 acres)
Deck Area	156 sqft
Patio Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	987 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

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	987 SMITH RD, AFTON, VA 22920-1702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2020
Deed Sale	Jul 15, 2020
Deed Document Number	20208913
Deed Book / Page	5350 / 646
Prior Transfer Date	Apr 8, 2015
Prior Transfer Doc	0000003350
Record Updated	Sep 20, 2026

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jul 15, 2020
Property Address	979 SMITH RD, AFTON, VA 22920
Document Number	0000008913
Book / Page	005350 / 000646
Instrument Date	May 22, 2020
Instrument	8913
Transaction Type	Transfer
Record Updated	Aug 21, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	987 SMITH RD AFTON VA 229201702, AFTON, VA 22920-1702

Mortgage

Document Number	8914
Date	Jul 15, 2020
Book Page	005350/000650
Instrument	8914

Lender

Name	TRUIST BK
Address	WILSON, NC 27893

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2050

Tax Assessment & Valuation

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	$3,294.00 (+6.16%)	$368,500 (+6.13%) Land $152,300 Building $216,200	$368,500 (+6.13%) Land $152,300 Building $216,200
2025	$3,103.00 (+19.3%)	$347,200 (+13.99%) Land $152,300 Building $194,900	$347,200 (+13.99%) Land $152,300 Building $194,900
2023	$2,601.00	$304,600 Land $135,500 Building $169,100	$304,600 Land $135,500 Building $169,100

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

Flood

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

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

Nearby Properties on Smith Rd

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