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Smithfield › CHURCH SQUARE › 103 Cathedral St✓ Source: REIN MLS #10649983 · record updated Sep 6, 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
2beds
2baths
1,520sqft
18days on market

103 Cathedral St, Smithfield, VA 23430

ActiveResidential · built 2022 · CHURCH SQUARE

Facts & features

Type

Residential

Year built

2022

Price / sqft

$257

HOA fee

$240/mo

Taxes

$2,145/yr

County

Isle of Wight County VA

MLS #

10649983

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, Breakfast Area, Foyer, PBR with Bath, Pantry, Porch, Utility Closet
Appliances
Dishwasher, Disposal, Dryer Hookup, Microwave, Elec Range, Refrigerator, Washer Hookup
Equipment
Ceiling Fan

Construction & exterior

Style
Transitional
Subtype
Attached
Foundation
Slab
Roof
Asphalt Shingle
Exterior
Vinyl
Pool
No Pool

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

About this home

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 you to 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 #10649983

Tom & Dariya's overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · Brokered by LPT Realty

At a glance

Built in 2022, this 1,520-square-foot, two-bedroom, two-bath home in Smithfield, Virginia brings newer construction to a town with deep roots — walkable to dining, green space, and everyday essentials, and about 24 minutes from Joint Base Langley-Eustis.

Keep searching in Smithfield

See homes for sale zoned for Smithfield High School and homes for sale zoned for Hardy Elementary School.

Read the full overview ↓

Why this home stands out

What sets 103 Cathedral Street apart is the combination of a 2022 build date and a walkable Smithfield location — rare in a town where most of the housing stock carries decades of history. You get the efficiency and low-maintenance appeal of newer construction without sacrificing the charm and community feel that makes Isle of Wight County so livable. Two full baths across 1,520 square feet means the layout works whether you're living solo, as a couple, or hosting regularly.

CHURCH SQUARE and the Smithfield real estate market

Smithfield, Virginia is the kind of small city that earns genuine affection. Anchored by a historic downtown along the Pagan River, it blends colonial-era architecture with an active local food and arts scene — and Cathedral Street sits close enough to enjoy all of it without a drive. Isle of Wight County keeps the pace unhurried, but you're never far from what you need. Neighbors tend to know each other here, front porches see real use, and community events draw people out year-round. The town's identity is distinct — this isn't a suburb that happened to grow; it's a place with its own personality. Families comparing homes for sale zoned for Smithfield High School and homes for sale zoned for Hardy Elementary School will find that Cathedral Street puts you squarely within that attendance zone, making the address a practical anchor for households with kids at multiple grade levels.

What's nearby

Daily life is easy from 103 Cathedral Street. The Oak & Ivy Taphouse and Q Daddy's Pitmaster BBQ are both within 0.3 miles — two very different dinner moods, both walkable. Royal Farms at 0.5 miles covers quick grocery runs and fuel, and Dollar General is just 0.6 miles away for household staples. When you want fresh air, Beale Park is a 0.3-mile walk, Bill Laine Park is half a mile out, and Windsor Park North rounds out your green-space options at 0.8 miles. That density of parks within less than a mile is genuinely uncommon and easy to take for granted until you live it.

For different buyers

For military families relocating

Joint Base Langley-Eustis is roughly 24 minutes from 103 Cathedral Street, and NSA Northwest Annex sits about 28 minutes out — both manageable commutes that keep Smithfield in play for service members stationed at either installation. A VA loan can make a 2022-built home like this one especially straightforward to finance, and the two-bedroom, two-bath layout handles the practical demands of military household life well.

For first-time buyers

A 2022 build means the big-ticket systems — roof, HVAC, plumbing — are brand new, which matters a lot when you're buying your first home and want predictability. At 1,520 square feet with two full baths, 103 Cathedral Street is sized right for a first purchase: enough room to live comfortably, easy enough to maintain, and in a Smithfield neighborhood where walkable parks and restaurants are already part of the package.

More buyer questions

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

The drive to Joint Base Langley-Eustis (Fort Eustis) runs approximately 24 minutes under normal traffic conditions. NSA Northwest Annex is roughly 28 minutes away, giving service members stationed at either installation a reasonable daily commute from Smithfield.

What is the flood zone status for 103 Cathedral Street in Smithfield?

Flood zone designation for this address is handled by the FloodRisk tile on this page, which pulls current FEMA map data. It's worth reviewing before making any decisions, as Isle of Wight County does include areas with varying flood risk.

Is 103 Cathedral Street part of an HOA?

HOA status for this property is best confirmed through current listing documents or directly with the seller, as community association structures can change over time.

What year was 103 Cathedral Street built, and what does that mean for buyers?

The home was built in 2022, meaning the major systems — roof, HVAC, water heater, and structural components — are only a few years old. That's a meaningful advantage for buyers who want to minimize near-term maintenance costs and unknowns.

Where are the nearest parks to 103 Cathedral Street?

Beale Park is the closest at 0.3 miles, followed by Bill Laine Park at 0.5 miles and Windsor Park North at 0.8 miles — three distinct green spaces all within a short walk or quick drive of the address.

Tom and Dariya Milan at LPT Realty know Smithfield and Isle of Wight County well — reach out to get your questions answered and find out what 103 Cathedral Street could mean for your next chapter.

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

Homes like this one sell fast — see the next one first

Smithfield$330K – $450K2+ beds

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Schools

VaHome School Score

Our own 1–10 rating, scored from Virginia Department of Education data.

VaHome School Score — calculated by VaHome.com from Virginia Department of Education assessment, progress, and attendance data. Attendance zones come from the MLS listing record; confirm the current zone with the school division before making an offer.

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

$2,316/mo

Principal & interest

$2,023

Property tax

$179

Home insurance

$114

PMI

None

HOA/Condo (paid separately)

$240

Estimate only. Association (HOA/condo) fees are paid separately and are not included in the payment above. 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

108% of $362,000

City assessment record · taxes $2,145/yr

Land share of assessed value

18% — $65,000

Improvements $297,000 · assessor record ✓

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

Own a home nearby? See what it is worth today — What's your Smithfield home worth?

Sale & Tax History

List Price

$389,900

Price / Sq Ft

$257

Annual Taxes

$2,145

Monthly Tax

$179

HOA fee

$240 / mo

Tax Rate (effective)

0.55%

Sale Timeline (this listing)

EventDatePriceDetail
ListedAug 20, 2026$389,900—
Currently listed—$389,900—

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

8% 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

18 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

Is 103 Cathedral St in a good school zone?+
The assigned zones on the listing record are Hardy Elementary (VaHome School Score 5.2/10), Smithfield Middle (VaHome School Score 6.1/10), Smithfield (VaHome School Score 5.1/10). 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.
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

Brokered by 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 #10649983

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

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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 #10649983 · 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.

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