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Smithfield › CHURCH SQUARE › 103 Cathedral St✓ Source: REIN MLS #10649983 · record updated Oct 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
48days 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

A fresh 2022 home on Cathedral Street in Smithfield with two bedrooms, two bathrooms, and 1,520 square feet. Modern construction meets small-town charm just 24 minutes from Joint Base Langley-Eustis. Smithfield homes for sale in this newer stock offer solid value and move-in readiness.

Keep searching in Smithfield

See all Smithfield homes for sale, including homes for sale zoned for Smithfield High School and homes for sale zoned for Hardy Elementary School. Browse every listing among homes for sale in Smithfield — updated from the REIN MLS every few minutes.

Read the full overview ↓

Why this home stands out

Built in 2022, this residence brings contemporary construction to a historic town. You'll find efficient layouts, updated systems, and the peace of mind that comes with a newer home. The two-bedroom, two-bath floor plan works well for downsizing, first-time ownership, or anyone who values low-maintenance living. Smithfield's quiet residential streets and walkable downtown make this a standout choice for those seeking substance over flash.

CHURCH SQUARE and the Smithfield real estate market

Smithfield is a charming Isle of Wight County town with deep colonial roots and a strong sense of community. Cathedral Street sits in a residential pocket where tree-lined blocks and well-maintained homes create a peaceful everyday rhythm. The neighborhood feels established yet welcoming—the kind of block that anchors homes for sale in Smithfield. Downtown Smithfield, just a short drive away, offers local restaurants, shops, and the Smithfield waterfront along the Pagan River. Getting around is straightforward: US Route 17 connects you to Hampton, Newport News, and beyond in under 30 minutes. You're about 24 minutes to Joint Base Langley-Eustis and 31 minutes to NSA Hampton Roads. Isle of Wight County serves the area, and anyone comparing homes for sale zoned for Hardy Elementary School and homes for sale zoned for Smithfield High School will find this address well-positioned.

What's nearby

Daily life is easy here. The Oak & Ivy Taphouse and Q Daddy's Pitmaster BBQ sit just a third of a mile away—perfect for a quick dinner out. Royal Farms grocery is half a mile down the road for everyday shopping, with Dollar General another tenth of a mile beyond. Beale Park is a three-minute walk, ideal for a morning stroll or afternoon break. Bill Laine Park and Windsor Park North offer more space for recreation within a mile. You're never far from what you need.

For different buyers

Base commute and VA loan notes

About 24 minutes to Joint Base Langley-Eustis and 31 minutes to NSA Hampton Roads. VA loan financing is widely available in this market. The 2022 construction means minimal repairs and a straightforward closing timeline. Smithfield's stable, established neighborhood offers predictable, low-stress living.

For first-time buyers

Two bedrooms and two full bathrooms give you flexibility without overwhelming space. The 2022 build means you're buying a home with modern systems and no surprises. Newer construction typically qualifies for favorable financing terms. Smithfield's affordability compared to nearby urban areas stretches your buying power further.

More buyer questions

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

About 24 minutes by car. NSA Hampton Roads is roughly 31 minutes away.

What year was this home built?

2022. It's a newer home with modern systems and contemporary construction throughout.

What restaurants and shops are closest?

The Oak & Ivy Taphouse and Q Daddy's Pitmaster BBQ are each about a third of a mile away. Royal Farms grocery is half a mile down the street.

Are there parks nearby?

Yes. Beale Park is a short walk away, and Bill Laine Park and Windsor Park North are within a mile.

What's the layout like?

Two bedrooms and two full bathrooms in 1,520 square feet. The floor plan is efficient and works well for first-time buyers or anyone downsizing.

Ready to explore this Smithfield home? Reach out to Tom & Dariya Milan at LPT Realty to schedule a tour or ask any questions.

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

By subscribing you agree to receive listing emails from Tom & Dariya Milan, Realtors, at most one a day. Unsubscribe anytime · Privacy PolicyBrokered by LPT Realty

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 (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 51093C

Low / Moderate Risk

FEMA flood zone

X (low to moderate risk)

Base flood elevation

Not applicable in low-risk zones

Zone X is outside the Special Flood Hazard Area; FEMA doesn\u2019t define a BFE here.

Property elevation

41.1 ft above sea level

USGS 3DEP digital elevation model

Outside the high-risk Special Flood Hazard Area. Federal flood insurance is NOT required, though optional preferred-rate NFIP coverage is still worth considering in coastal Hampton Roads.

Data sources: Flood zone and base flood elevation come from FEMA\u2019s National Flood Hazard Layer. Property elevation is sampled from a single point on the parcel using the USGS National Map elevation service \u2014 actual elevations across a single property can vary by several feet higher or lower than the figure shown. Use these numbers as a starting reference and do your own due diligence (a professional survey or elevation certificate) before relying on them for any financial, insurance, or construction decision.

Hurricane Evacuation Zone

Not in a designated hurricane evacuation zone.

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

Smithfield homes for sale →

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 19, 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

48 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

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 #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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