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PortsmouthCRADOCK GARDENS103 Decatur St✓ Source: REIN MLS #10640305 · record updated Jun 24, 2026 · synced every 5 min · your inquiry is never resold
103 Decatur ST, PORTSMOUTH VA 23702 - Main photo
103 Decatur ST, PORTSMOUTH VA 23702 - Photo 2
103 Decatur ST, PORTSMOUTH VA 23702 - Photo 3
103 Decatur ST, PORTSMOUTH VA 23702 - Photo 4
103 Decatur ST, PORTSMOUTH VA 23702 - Photo 5
$295,000
$179 / sqft · est. $1,910/mo →
3beds
2baths
1,648sqft
4days on market

103 Decatur St, Portsmouth, VA 23702

ActiveResidential · built 1941 · CRADOCK GARDENS

About this home

The listing, in the seller's words

Discover the unique opportunity this versatile two-home property offers! Situated on a single lot, this property features two detached single-family residences, making it ideal for multi-generational living, owner-occupants seeking rental income, or savvy investors looking to expand their portfolio. Updated in 2023, the first home offers 2 bedrooms, 1 bath, and an expansive open floor plan that seamlessly connects the living room, dining area, and kitchen. The second home features a spacious 1-bedroom, 1-bath design complete with a walk-in closet and an inviting open-concept layout with comfortable living space. Step outside and enjoy the covered patio, perfect for relaxing or entertaining, along with a manageable yard that provides outdoor enjoyment without extensive upkeep. Conveniently located near major interstate access, parks, schools, shopping, and dining, this property combines flexibility, functionality, and location. Whether you're looking to offset your mortgage with rental income or add a turnkey investment to your portfolio, this is an opportunity you won't want to miss. Schedule your private showing today!

Listing courtesy of Melody Cespedes · 1st Class Real Estate Flagship · REIN MLS #10640305

VaHome team overview

Our read on this home

At a glance

103 Decatur Street is a 1941-built, three-bedroom, two-bath home in Portsmouth, Virginia — just five minutes from Norfolk Naval Shipyard. At 1,648 square feet, it offers classic mid-century bones in a city known for deep military roots and genuine neighborhood character.

Read the full overview ↓

Why this home stands out

Homes from this era were built to last — thick plaster walls, solid framing, and lot sizes that newer construction rarely matches. 103 Decatur Street carries that same DNA: a 1941 single-family residence with three bedrooms and two full baths across 1,648 square feet. Whether you're drawn to the history baked into the woodwork or simply want more house per square foot than a newer build typically offers, this address delivers a foundation worth investing in.

CRADOCK GARDENS and the Portsmouth real estate market

Portsmouth is one of Hampton Roads' most storied cities, and 103 Decatur Street sits squarely in that legacy. The surrounding blocks reflect the kind of mid-century residential fabric that planners rarely build anymore — tree-lined streets, modest front yards, and neighbors who've been around long enough to wave hello. Portsmouth's walkable downtown, with its working waterfront and revitalized Olde Towne district, is just a short drive away. Dining, coffee shops, and local retail line the main corridors, and the city's ferry connection to downtown Norfolk makes cross-water commuting surprisingly easy. For anyone looking for a Portsmouth home with real character — not a subdivision replica — the 23702 zip code consistently delivers that lived-in, established feel that newer developments simply can't replicate.

What's nearby

Daily life is easy from Decatur Street. Grocery runs, pharmacies, and fast-casual dining are all within a few minutes in any direction along the main commercial corridors. The Elizabeth River Trail system gives cyclists and walkers a scenic route connecting Portsmouth's waterfront to surrounding neighborhoods. Olde Towne Portsmouth — with its antique shops, restaurants, and historic courthouse — is close enough for a weeknight dinner out. The Portsmouth ferry terminal, linking the city to Norfolk's downtown waterfront, is also within easy reach for anyone who works or plays across the water.

For different buyers

For military families relocating

Norfolk Naval Shipyard is literally five minutes away, and USCG Base Portsmouth is six. For active-duty families, that kind of commute is genuinely rare in Hampton Roads — and a VA loan can make owning a home this close to the gate a straightforward path. Short drives mean more time at home, and Portsmouth's established neighborhoods mean stable, familiar surroundings through every PCS cycle.

For buyers drawn to character

If cookie-cutter subdivisions leave you cold, 103 Decatur Street is worth a serious look. Built in 1941, this home has the proportions, materials, and street presence that mid-century construction is known for. Three bedrooms, two baths, and 1,648 square feet give you real living space — and Portsmouth's Olde Towne proximity means the character extends well beyond your own four walls.

More buyer questions

How far is 103 Decatur Street from Norfolk Naval Shipyard?

Norfolk Naval Shipyard is approximately five minutes away by car — one of the shortest base commutes available anywhere in Portsmouth. That proximity makes Decatur Street a practical address for shipyard-assigned personnel at virtually any paygrade.

How far is 103 Decatur Street from USCG Base Portsmouth?

USCG Base Portsmouth is about six minutes away, making this address equally convenient for Coast Guard families stationed there.

What is the neighborhood like around 103 Decatur Street?

The surrounding area is a classic mid-century residential neighborhood — established streets, mature trees, and a mix of long-term homeowners. It sits within easy reach of Portsmouth's Olde Towne district and the Elizabeth River waterfront.

Is 103 Decatur Street in a flood zone?

Flood zone status for this address is displayed in the FloodRisk tile on this page, which pulls current FEMA map data. We recommend reviewing that information and discussing it with your agent before making any decisions.

What can I expect from a 1941-built home in Portsmouth?

Homes of this era typically feature solid construction methods — heavier framing, plaster or early drywall interiors, and lot sizes that reflect pre-suburban-sprawl planning. Many have been updated over the decades while retaining their original footprint and structural integrity.

Tom and Dariya Milan at LPT Realty know Portsmouth inside and out. Reach out to get a straight-talk walkthrough of 103 Decatur Street and what it means for your next move.

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

Schools

Info provided by GreatSchools

Facts & features

The record, sourced

Type

Residential

Year built

1941

Price / sqft

$179

HOA

None

Taxes

$3,524/yr

County

Portsmouth VA

Waterfront

Yes

MLS #

10640305

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

Flood & environment

The flood answer first — quantified, not buried

FEMA flood zone X · outside the high-risk area · FIRM 515529

Flood Risk

Looking up FEMA flood zone…

Hurricane Evacuation Zone

Evacuation Zone A

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

$1,910/mo

Principal & interest

$1,531

Property tax

$294

Home insurance

$86

PMI

None

HOA

None

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

104% of $284,160

City assessment record · taxes $3,524/yr

Land share of assessed value

20% — $57,140

Improvements $227,020 · 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

$200,000$307,500

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.

8 Cotton PL · 0.2 mi · 1,660 sqft$225,000 sold 2026-06
87 Dahlgren AVE · 0.3 mi · 1,633 sqft$265,000 sold 2026-02
14 Davis ST · 0.2 mi · 1,562 sqft$200,000 sold 2026-02

Sale & Tax History

List Price

$295,000

Price / Sq Ft

$179

Annual Taxes

$3,524

Monthly Tax

$294

HOA

None

Tax Rate (effective)

1.19%

Sale Timeline (this listing)

EventDatePriceDetail
ListedJun 21, 2026$295,000
Currently listed$295,000

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

Asking near assessment

Total Assessed

$284,160

Land

$57,140

Improvement

$227,020

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:

Portsmouth 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

4 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 Decatur St in a good school zone?+
The assigned zones on the listing record are Cradock Elementary, Cradock Middle, Manor High (GreatSchools 2/10). School attendance zones can change — always confirm enrollment with the local school division.
Is 103 Decatur 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 Decatur St?+
Yes — Planet Fitness is about 0.4 miles away, per the cached nearby-places record for this address.
Are there parks near 103 Decatur St?+
Afton Park is about 0.1 miles away.
Where is the nearest grocery store to 103 Decatur St?+
bp is about 0.4 miles away. The closest dining on record is Vietnam 81 Restaurant (0.2 mi).
Does 103 Decatur St have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 103 Decatur St built?+
It was built in 1941, 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 Melody Cespedes · 1st Class Real Estate Flagship · REIN MLS #10640305

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.

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

Call or text (757) 777-7577

103 Decatur St, Portsmouth, Virginia 23702 · MLS #10640305 · 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.