Skip to main content
VaHome.com
Smithfield › CHURCH SQUARE › 103 Cathedral St✓ Source: REIN MLS #10630848 · record updated May 18, 2026 · synced every 2 min · your inquiry is never resold
103 Cathedral ST, SMITHFIELD VA 23430 - Main photo
103 Cathedral ST, SMITHFIELD VA 23430 - Photo 2
103 Cathedral ST, SMITHFIELD VA 23430 - Photo 3
103 Cathedral ST, SMITHFIELD VA 23430 - Photo 4
103 Cathedral ST, SMITHFIELD VA 23430 - Photo 5
$394,000
$259 / sqft · est. $2,578/mo →
2beds
2baths
1,520sqft
28days on market

103 Cathedral St, Smithfield, VA 23430

ActiveResidential · built 2022 · CHURCH SQUARE

About this home

The listing, in the seller's words

Beautiful like-new home in a quiet 55+ community offering activities and amenities on-site for enjoyable living. Wide open floor plan with a chef's kitchen, granite countertops, stainless steel appliances, and lots of natural light. The primary suite has an adjoining luxurious bath with over-sized shower, and double sinks. Formal dining room could be a flex room for many different purposes. Historic Smithfield is very close by as well as routes to take to you highly-rated hospitals, Williamsburg, and all of South Hampton Roads. This home is in perfect condition. A 2-car attached garage is a real plus.

Listing courtesy of Diane Pearman · The Real Estate Group · REIN MLS #10630848

VaHome team overview

Our read on this home

At a glance

103 Cathedral Street is a 2022-built, 1,520-square-foot home in Smithfield's Church Square neighborhood. Two bedrooms, two full baths, and modern construction mean you're getting a low-maintenance lifestyle in one of Isle of Wight County's most charming small towns.

Read the full overview ↓

Why this home stands out

Built in 2022, this home skips the renovation headaches that come with older Smithfield properties. You're getting current building codes, modern mechanicals, and contemporary finishes in a town that otherwise leans heavily on historic character. Church Square puts you within a short walk of Smithfield's downtown core — a combination that's genuinely hard to find at this size and age.

CHURCH SQUARE and the Smithfield real estate market

Church Square sits right at the heart of Smithfield, Virginia — a small town in Isle of Wight County that consistently earns a reputation as one of Hampton Roads' most livable communities. The neighborhood takes its name from the historic churches that anchor this part of town, giving the streets a quiet, grounded character that newer suburban developments rarely replicate. Brick sidewalks, mature trees, and a walkable grid connect you to Smithfield's compact downtown in minutes on foot. The city itself has a genuine Main Street feel: locally owned shops, waterfront access along the Pagan River, and community events that draw residents together through the seasons. Smithfield is far enough from the bustle of Virginia Beach or Norfolk to feel like its own world, yet close enough to Joint Base Langley-Eustis and the broader Hampton Roads employment corridor to make daily commutes manageable. The 103 Cathedral Street Smithfield VA location places you squarely in that sweet spot.

What's nearby

Daily life at 103 Cathedral Street is straightforward. Royal Farms, just 0.6 miles away, handles quick grocery runs and fuel without a detour. For a sit-down meal, The Oak & Ivy Taphouse is a short 0.2-mile walk — one of the easiest dinner decisions you'll make. Q Daddy's Pitmaster BBQ is another solid option just 0.4 miles out when the craving hits. Beale Park is only 0.3 miles away for morning walks or an afternoon outside, and Bill Laine park adds another green space option at 0.5 miles. Windsor Park North rounds out the outdoor access at 0.7 miles. Everything you need for a low-effort weekday is within easy reach.

For different buyers

For military families relocating

Joint Base Langley-Eustis is about 24 minutes from 103 Cathedral Street, and NSA Northwest Annex is roughly 28 minutes out — both well within a reasonable commute window. A VA loan can make a 2022-built home like this one particularly efficient to finance, and Smithfield's stable, small-town character is a genuine draw for families who want roots between PCS moves.

For first-time buyers

If you're stepping into homeownership for the first time, a 2022 build takes a lot of uncertainty off the table. Newer construction means you're not inheriting someone else's deferred maintenance — the roof, HVAC, and systems are all recent. At 1,520 square feet with two bedrooms and two baths, the layout is manageable without feeling cramped, and Church Square's walkable setting makes Smithfield feel immediately like home.

More buyer questions

How far is 103 Cathedral Street from Joint Base Langley-Eustis?

The drive from 103 Cathedral Street to Joint Base Langley-Eustis runs approximately 24 minutes under normal traffic conditions. That puts it well within the range most service members consider for a primary residence.

What is the Church Square neighborhood like in Smithfield?

Church Square is a centrally located neighborhood in Smithfield with a walkable, historic feel — close to downtown shops, local restaurants, and the Pagan River waterfront. It's a quiet, established area that benefits from Smithfield's small-town character without being far from everyday conveniences.

Is 103 Cathedral Street in a flood zone?

Flood zone information for this property is displayed in the FloodRisk tile on this page. It's worth reviewing before making any decisions, as Isle of Wight County properties can vary significantly depending on their proximity to the Pagan River.

How old is the home at 103 Cathedral Street?

The home was built in 2022, making it one of the newer residential constructions in the Church Square area of Smithfield. That means current building standards and relatively young mechanical systems.

Are there parks or green spaces near 103 Cathedral Street?

Yes — Beale Park is just 0.3 miles away, Bill Laine park is 0.5 miles out, and Windsor Park North is within 0.7 miles, giving you multiple outdoor options all within easy walking or biking distance.

Want to know more about 103 Cathedral Street or Church Square? Tom and Dariya Milan at LPT Realty are ready to walk you through every detail — reach out today.

Summary generated by AI from public records and publicly available information.

Schools

  • ElementaryHardy Elementary
    —
  • MiddleSmithfield Middle
    —
  • HighSmithfield
    —

Info provided by GreatSchools

Facts & features

The record, sourced

Type

Residential

Year built

2022

Price / sqft

$259

HOA fee

$240/mo

Taxes

$2,145/yr

County

Isle of Wight County VA

Waterfront

Yes

MLS #

10630848

HOA association includes

ClubhouseExercise RmGround MaintPoolTrash Pickup

$240/mo HOA fee · N.A. · per the REIN MLS listing record — confirm inclusions with the association.

Interior

Bedrooms
2
Full baths
2
Approx. sqft
1,520
Stories
1
Flooring
Carpet, Wood
Ensuite bedrooms
1
First-floor bed & full bath
Yes
Total rooms
6
Other rooms
1st Floor BR, 1st Floor Primary BR, Attic, Breakfast Area, Foyer, PBR with Bath, Pantry, Porch, Utility Closet
Appliances
Dishwasher, Disposal, Dryer Hookup, Microwave, Elec Range, Refrigerator, Washer Hookup
Equipment
Cable Hookup, Ceiling Fan, Gar Door Opener

Construction & exterior

Style
Transitional
Subtype
Attached
Foundation
Slab
Roof
Asphalt Shingle
Exterior
Vinyl
Pool
No Pool
Waterfront
Not Waterfront

Utilities & systems

Heating
Nat Gas
Cooling
Central Air
Water heater
Electric
Water
City/County
Sewer
City/County

Lot, parking & ownership

Subdivision
CHURCH SQUARE
Ownership
Fee Simple
Garage
Yes
Parking
Garage Att 2 Car, Driveway Spc
Possession
CLOSING
Disclosures
Residential 55+ Community, Common Interest Community, Disclosure Statement

Sources: REIN MLS record · city assessor · null fields are suppressed, never faked

Flood & environment

FEMA flood zone X · outside the high-risk area · FIRM 51093C

Flood Risk

Looking up FEMA flood zone…

Hurricane Evacuation Zone

Not in a designated hurricane evacuation zone.

Source: Virginia Dept. of Emergency Management — Know Your Zone

Location intelligence

Minutes to real places, not a score

Location & Neighborhood

Places within ~1 mile, ordered by distance from this property. Powered by Google Places.

Military Commute

Drive times to nearest bases

Drive times via Google Maps with current traffic patterns. Times are typical and may vary by time of day. Use the "Analyze" button up top to see live drive time to your saved base.

The numbers

Run the real carrying cost

Estimates only — taxes come from the public record; confirm rates with your lender. VA-eligible buyers: $0-down financing may apply.

Estimate your monthly payment

$2,578/mo

Principal & interest

$2,044

Property tax

$179

Home insurance

$115

PMI

None

HOA

$240

Estimate only. Insurance assumed at 0.35% of home value annually. Actual taxes, insurance, and rate will vary by lender, credit, and property. Contact a lender for a personalized quote.

Value & history

Judge value on real ground

Asking vs. assessment

109% of $362,000

City assessment record · taxes $2,145/yr

Land share of assessed value

18% — $65,000

Improvements $297,000 · assessor record ✓

Why we show no algorithmic estimate.

National AVMs misprice homes whose value drivers they can't see. Instead: the sourced assessment above, the carrying cost, real price history, and honest comparables below.

Price context — similar nearby homes

$259,900 – $427,933

The 6 most similar homes nearby (same city, within ~20% of this size, ~2.5 mi; 6 sold). Context for judging the asking price — not an appraisal or an estimate of this home's value.

105 Cathedral ST · 0 mi · 1,520 sqft$395,000 sold 2026-03
101 Red Point DR · 0.4 mi · 1,500 sqft$270,000 sold 2026-06
200 Durham ST · 0.1 mi · 1,392 sqft$369,000 sold 2026-05

Sale & Tax History

List Price

$394,000

Price / Sq Ft

$259

Annual Taxes

$2,145

Monthly Tax

$179

HOA fee

$240 / mo

Tax Rate (effective)

0.54%

Sale Timeline (this listing)

EventDatePriceDetail
ListedApr 21, 2026$394,000—
Price reducedMay 19, 2026$394,000−$3,000
Currently listed—$394,000—

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

9% above assessment

Total Assessed

$362,000

Land

$65,000

Improvement

$297,000

Looking for multi-year tax assessments or prior sales? REIN MLS only ships data for the current listing. For full property history, check the city assessor record:

Smithfield Assessor (Google)

Tax data above from REIN public-records sync. Sale timeline tracked from this listing's first appearance in our feed forward; prior owner sales are not included.

Comparable Properties

Comps are selected by city, bed count, square footage and price proximity. Composite similarity score weights bed match, sqft variance, price variance, and straight-line distance.

Market tempo

28 days on market — read it in context

Days on market reflects pricing, season, and inventory — compare it against similar nearby homes below before reading anything into it.

Questions buyers ask

Real questions, answered from the record

Is 103 Cathedral St in a good school zone?+
The assigned zones on the listing record are Hardy Elementary, Smithfield Middle, Smithfield. School attendance zones can change — always confirm enrollment with the local school division.
Is 103 Cathedral St in a flood zone?+
FEMA maps this parcel in Zone X, outside the high-risk Special Flood Hazard Area. See the flood section on this page for details and sources.
Are there parks near 103 Cathedral St?+
Beale Park is about 0.3 miles away.
Where is the nearest grocery store to 103 Cathedral St?+
Royal Farms is about 0.6 miles away. The closest dining on record is The Oak & Ivy Taphouse (0.2 mi).
Does 103 Cathedral St have an HOA?+
Yes — HOA dues are on record for this property (the current amount is shown in the facts section on this page). The association of record is N.A.. Association amenities on record include: Clubhouse, Exercise Rm, Ground Maint, Pool, Trash Pickup.
When was 103 Cathedral St built?+
It was built in 2022, per the listing record.

Answers generated from the listing record, verified school zones, FEMA data, and cached nearby-places data — never invented.

The people

You'll talk to a person, not a lead queue

TD

Tom & Dariya Milan

LPT Realty · Hampton Roads · answer their own phone

✓ Your inquiry goes to Tom & Dariya — never sold to strangers

Listing courtesy of Diane Pearman · The Real Estate Group · REIN MLS #10630848

Call or text (757) 777-7577

Ask Dariya — instant answers

Schools, flood, drive times, what it really costs to own — answered from this page's data, by chat or voice.

Schedule a private tour

Free, no obligation — your inquiry goes to Tom & Dariya, never resold.

103 Cathedral St, Smithfield — photo

See it in person — the record only says so much.

Call or text (757) 777-7577

103 Cathedral St, Smithfield, Virginia 23430 · MLS #10630848 · Source: REIN MLS + public record. Information deemed reliable but not guaranteed — verify independently. School zones subject to change; confirm with the local school division. All locations are described by neutral geographic fact. Equal Housing Opportunity.

✆