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SuffolkALL OTHERS AREA 62103 Church St✓ Source: REIN MLS #10650097 · record updated Aug 29, 2026 · synced every 2 min · your inquiry is never resold
103 Church ST, SUFFOLK VA 23434 - Main photo
103 Church ST, SUFFOLK VA 23434 - Photo 2
103 Church ST, SUFFOLK VA 23434 - Photo 3
$279,999
$243 / sqft · est. $1,660/mo →
3beds
1.1baths
1,150sqft
8days on market

103 Church St, Suffolk, VA 23434

ActiveResidential · built 2026 · ALL OTHERS AREA 62

Facts & features

Type

Residential

Year built

2026

Price / sqft

$243

HOA

None

Taxes

$1,500/yr

County

Suffolk VA

MLS #

10650097

Interior

Bedrooms
3
Full baths
1
Half baths
1
Approx. sqft
1,150
Stories
2
Flooring
Carpet, Laminate/LVP
Ensuite bedrooms
1
Total rooms
6
Other rooms
Porch, Utility Room
Appliances
Dishwasher, Dryer Hookup, Energy Star Appliance(s), Microwave, Elec Range, Refrigerator, Washer Hookup
Equipment
Ceiling Fan

Construction & exterior

Style
Traditional
Subtype
Detached
Foundation
Slab
Roof
Asphalt Shingle
Exterior
Vinyl
Pool
No Pool

Utilities & systems

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

Lot, parking & ownership

Lot size
0.1150
Subdivision
ALL OTHERS AREA 62
Ownership
Fee Simple
Garage
No
Parking
Driveway Spc
Possession
SETTLEMENT
Disclosures
Disclosure Statement

See more Suffolk new construction homes.

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

About this home

NEW CONSTRUCTION 30 DAYS UNTIL COMPLETION!! 4% closing cost assistance when using preferred lender and settlement company, with funds available at buyers' discretion per program guidelines. BUYER CAN CHOOSE ONE OF THE FOLLOWING WASHER/DRYER OR $2500 FENCE CREDIT. Beautiful new construction 2-story home featuring 3 bedrooms, 1.5 baths and stunning modern finishes. The kitchen offers granite countertops, stainless steel appliances including the refrigerator. A two zone HVAC system with separate thermostats, and concrete driveway. This thoughtfully designed home provides the perfect blend of comfort and convenience. Don't miss your opportunity to own a brand-new home! Pictures are of model, colors may vary depending on address.

Listing courtesy of Debbie Crevier-Kent · Cottage Street Realty LLC · REIN MLS #10650097

VaHome team overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · LPT Realty

At a glance

103 Church Street is a brand-new 2026-built, three-bedroom home in the heart of downtown Suffolk — walkable to coffee, dining, and green space, and just minutes from Joint Staff J7 Suffolk. At 1,150 square feet, it packs a smart, efficient layout into one of the city's most connected addresses.

Read the full overview ↓

Why this home stands out

New construction in a walkable downtown core is genuinely rare in Suffolk. While most new builds land in sprawling subdivisions far from anything, 103 Church Street puts you a block or two from cafés, restaurants, a park, and a gym — all on foot. The 2026 build means modern systems, fresh finishes, and none of the deferred-maintenance surprises that come with older stock. It's a different kind of new construction experience.

ALL OTHERS AREA 62 and the Suffolk real estate market

Church Street sits inside Suffolk's compact, character-rich downtown district — the kind of neighborhood where you can grab a morning coffee at Cafe Davina, walk to a workout, and catch live music at a local bar without ever moving your car. Suffolk itself is one of the largest cities by land area in the United States, yet its downtown core keeps things genuinely human-scaled. The city straddles the Nansemond River and carries a deep agricultural and maritime history that still shows up in its architecture and community events. Downtown Suffolk has been quietly reinvesting in itself — new businesses, restored storefronts, and a growing food scene that punches well above the city's size. Families comparing homes for sale in Suffolk often discover that the downtown zip codes offer a lifestyle that the outer suburban corridors simply can't replicate. Suffolk sits in the southwestern corner of Hampton Roads, giving you reasonable access to the broader metro while keeping the pace noticeably calmer than Virginia Beach or Norfolk.

What's nearby

Daily errands and leisure are almost entirely walkable from 103 Church Street. Red Barn Food Store is 0.2 miles away for quick grocery runs, and Herb Heads & Company Apothecary & Makery Bar is just a few steps farther. For coffee, you have three options within a quarter mile: Cafe Davina at 0.1 miles, Holland's, and Brighter Day Cafe. Dinner options span Baron's Pub, AJ's Downtown Dogs, and El Korita Restaurante Mexicano — all within 0.2 miles. C-FIT Studio and Allonge Pilates Studio cover boutique fitness nearby, with Planet Fitness at 0.8 miles for a full-facility option. Joyner Park and Downtown Festival Park are both within a short walk for outdoor time.

For different buyers

For military families relocating

Joint Staff J7 Suffolk is literally one minute away — it's hard to find a shorter commute in all of Hampton Roads. For service members weighing a VA loan purchase, a 2026-built home with no deferred maintenance and a walkable downtown location is a strong combination. The drive to NSA Northwest Annex runs about 34 minutes, keeping a second-base option in range as well.

For first-time buyers

If you're exploring homes for sale in 23434 and want new construction without the long drive to a far-flung subdivision, 103 Church Street is worth a close look. A 2026 build means modern mechanicals, current energy standards, and no immediate repair list — exactly the kind of clean start that makes early homeownership less stressful. The walkable downtown setting is a genuine bonus.

More buyer questions

How far is 103 Church Street from Joint Staff J7 Suffolk?

The base is approximately one minute away by car — it's essentially around the corner. Few addresses in Hampton Roads offer that kind of proximity to a military installation.

What year was 103 Church Street built?

The home was built in 2026, making it brand-new construction. That means current building codes, modern systems, and fresh finishes throughout.

Is 103 Church Street in a flood zone?

Flood zone designation for this address is covered in the FloodRisk tile on this page — check that section for the most accurate and current FEMA mapping data.

What schools serve 103 Church Street?

Families comparing homes for sale zoned for King's Fork High School and homes for sale zoned for Elephant's Fork Elementary School will want to verify current zoning with Suffolk Public Schools directly, as boundaries can change.

Where is 103 Church Street relative to downtown Suffolk?

It is in downtown Suffolk — not near it, but in it. Restaurants, coffee shops, a park, and fitness studios are all within a quarter mile on foot.

Tom and Dariya Milan at LPT Realty know Suffolk homes for sale inside and out. Reach out to get the full picture on 103 Church Street and what it takes to make it yours.

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

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

Suffolk$235K – $325K3+ 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 510156

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

Explore this neighborhood

Downtown Suffolk

Downtown Suffolk, known historically as Old Town, is the walkable, tree-lined heart of the city, centered along West Washington Street and North Main Street near the head of navigation of the Nansemond River.

$255K

Median sale · 12 mo

$168

Sold $/sq ft

24d

Days on market

16

For sale now

$54K

HH income

46.2%

Owner-occupied

REIN MLS closed sales, trailing 12 mo · U.S. Census ACS 2024 5-year

Explore Downtown Suffolk
Map of Downtown Suffolk with neighborhood boundaryNeighborhood

browse Suffolk listings

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

$1,660/mo

Principal & interest

$1,453

Property tax

$125

Home insurance

$82

PMI

None

HOA/Condo (paid separately)

None

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

Price context — similar nearby homes

$120,000$278,500

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.

504 Cedar CT · 1.1 mi · 1,100 sqft$215,000 sold 2026-08
627 Spruce ST · 1.3 mi · 1,150 sqft$278,500 sold 2026-03
310 Greenfield CRES · 1.3 mi · 1,146 sqft$260,000 sold 2026-07

Sale & Tax History

List Price

$279,999

Price / Sq Ft

$243

Annual Taxes

$1,500

Monthly Tax

$125

HOA

None

Tax Rate (effective)

0.54%

Sale Timeline (this listing)

EventDatePriceDetail
ListedAug 21, 2026$279,999
Currently listed$279,999

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:

Suffolk Real Estate Assessor

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

8 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 Church St in a good school zone?+
The assigned zones on the listing record are Elephant's Fork Elementary (VaHome School Score 2.2/10), King`s Fork Middle, Kings Fork. School attendance zones can change — always confirm enrollment with the local school division.
Is 103 Church 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.
Is there a gym near 103 Church St?+
Yes — C-FIT Studio is about 0.4 miles away, per the cached nearby-places record for this address.
Are there parks near 103 Church St?+
Wellons Park is about 0.3 miles away.
Where is the nearest grocery store to 103 Church St?+
JC3 Family Farm is about 0.2 miles away. The closest dining on record is McDonald's (0.2 mi).
Does 103 Church St have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 103 Church St built?+
It was built in 2026, 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 Debbie Crevier-Kent · Cottage Street Realty LLC · REIN MLS #10650097

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 Church St, Suffolk — photo

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

Call or text (757) 777-7577

103 Church St, Suffolk, Virginia 23434 · MLS #10650097 · 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.