989 Smith Rd, Afton, VA 22920 Property Records

Albemarle County property record for 989 Smith Rd, Afton, VA 22920

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,325 sqft · built 2025
Lot Size	2.29 acres (100,101 sqft)
Owner	Individual Name on Record
Last Sale	$197,000 (Aug 2024)
Tax Bill	$1,521 (2025)
Deeds & Mortgages	Nov 2024 Construction Loan Aug 2024 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06900-00-00-03800`

Property Details

APN / Parcel Number

Primary APN	`06900-00-00-03800`
Alternative APN	`28586`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,325 sqft Finished Area
Basement Area	1,630 sqft
Finished Basement	1,230 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Wood
Lot Area	100,101 sqft (2.29 acres)
Garage Area	434 sqft
Porch	Slab
Porch Area	59 sqft
Deck Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Wood

Location & Zoning

Street Address	995 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 PARCEL A
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 June 15, 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	995 SMITH RD, AFTON, VA 22920-1702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2024	Deed of Trust, Mortgage · Construction Mortgage ATLANTIC UNION BANK
Aug 19, 2024	Deed, Transfer · Line of Credit FARM CREDIT OF THE VIRGINIAS ACA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2024 · Amount on Record
Deed Sale	Aug 19, 2024 · Amount on Record
Deed Document Number	20246902
Record Updated	Sep 20, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	995 SMITH RD, AFTON, VA 22920-1702
Transaction Type	Mortgage
Record Updated	Jun 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1059 KILLDEER LN, CROZET, VA 22932-2831

Mortgage

Document Number	202400009431
Date	Nov 7, 2024
Instrument	202400009431

Lender

Name	ATLANTIC UNION BANK
Type	Bank
Address	RESTON, VA 20191

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Dec 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.3%
Index	1-Year T-Bill
Max Rate	11.3%

August 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Aug 19, 2024
Property Address	995 SMITH RD, AFTON, VA 22920-1702
Document Number	202400006902
Map Reference	MB 2492 PG 193
Instrument Date	Aug 7, 2024
Instrument	202400006902
Transaction Type	Transfer
Record Updated	Jun 15, 2026
Title Company	OLD REPUBLIC NATL TTL INS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$197.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1059 KILLDEER LN, CROZET, VA 22932-2831

Mortgage

Document Number	202400006903
Date	Aug 19, 2024
Instrument	202400006903

Lender

Name	FARM CREDIT OF THE VIRGINIAS ACA
Type	Bank
Address	CHARLOTTESVILLE, VA 22906

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$938,700 (+391.21%) Land $170,200 Building $768,500	$938,700 (+391.21%) Land $170,200 Building $768,500
2025	$1,521.00 (-6.8%)
2023	$1,632.00	$191,100 Land $117,500 Building $73,600	$191,100 Land $117,500 Building $73,600

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	Moderate above 40% of the US · above 65% 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 and 4G LTE (outdoors only)

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