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Portsmouth › CRADOCK GARDENS › 103 Decatur St✓ Source: REIN MLS #10640305 · record updated Sep 23, 2026 · synced every 2 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
3beds
2baths
1,648sqft
95days on market

103 Decatur St, Portsmouth, VA 23702

ActiveResidential · built 1941 · CRADOCK GARDENS

Facts & features

Type

Residential

Year built

1941

Price / sqft

$137

HOA

None

Taxes

$3,524/yr

County

Portsmouth VA

MLS #

10640305

Interior

Bedrooms
3
Full baths
2
Approx. sqft
1,648
Stories
1
Flooring
Ceramic, Laminate/LVP
First-floor bed & full bath
Yes
Total rooms
5
Other rooms
1st Floor BR, Attic, Breakfast Area, In-Law Suite
Appliances
Dishwasher, Disposal, Dryer Hookup, Elec Range, Refrigerator, Washer Hookup
Equipment
Cable Hookup, Ceiling Fan

Construction & exterior

Style
Bungalow, Ranch
Subtype
Detached
Foundation
Crawl, Slab
Roof
Asphalt Shingle
Exterior
Brick
Pool
No Pool
Fencing
Back Fenced,Chain Link,Partial

Utilities & systems

Heating
Electric
Cooling
Other
Water heater
Electric
Water
City/County
Sewer
City/County

Lot, parking & ownership

Lot size
0.1300
Subdivision
CRADOCK GARDENS
Zoning
UR
Ownership
Fee Simple
Garage
No
Parking
Off Street, Driveway Spc, Street
Possession
SETTLEMENT
Disclosures
Disclosure Statement, Short/Comp Sale

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

About this home

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! Now a short-sale. Price not yet approved by bank.

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

Tom & Dariya's overview

Our read on this home

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

At a glance

This 1941 three-bedroom, two-bath home sits just five minutes from Norfolk Naval Shipyard. At 1,648 square feet, it offers classic character and convenient access to Portsmouth's shops and parks. The location puts you steps from dining and recreation.

Keep searching in Portsmouth

See all Portsmouth homes for sale, including homes for sale in 23702, homes for sale zoned for Manor High School, and homes for sale zoned for Cradock Elementary School. Browse every listing among homes for sale in Portsmouth — updated from the REIN MLS every few minutes. Nearby, look at Brighton homes for sale, Portsmouth waterfront homes for sale, Portsmouth condos and townhomes for sale, and new construction homes in Portsmouth.

Read the full overview ↓

Why this home stands out

Built in 1941, this home carries the solid construction and architectural charm of its era. The three-bedroom, two-bath layout spans 1,648 square feet on a walkable Portsmouth block. You're minutes from Norfolk Naval Shipyard and USCG Base Portsmouth, with quick access to everyday conveniences. The neighborhood supports a straightforward commute for anyone working at the shipyard or nearby military installations.

CRADOCK GARDENS and the Portsmouth real estate market

Portsmouth's streets near Decatur offer a mix of established homes and active street life. You'll find local restaurants, parks, and shops within easy walking distance. The city itself sits on the Elizabeth River, with a working waterfront and a downtown core that's seeing steady revitalization. Getting around Portsmouth is straightforward—most errands are close by, and major routes connect quickly to Norfolk and the broader Hampton Roads region. If you are comparing homes for sale in Portsmouth, this location's walkability and base proximity stand out. The area has a practical, lived-in feel rather than a polished suburban one. Anyone looking at homes for sale in 23702 will notice the central location and established neighborhood character.

What's nearby

Afton Park and Afton Square sit just two blocks away, offering green space and recreation. Vietnam 81 Restaurant and Geraldine's Kitchen are a short walk, along with Burger King and Dunkin'. Food Lion and BP are within half a mile for groceries. Planet Fitness is about five minutes on foot. The Scott Center Annex Commissary sits less than a mile away, a useful resource for anyone with base access.

For different buyers

Base commute and VA loan notes

Norfolk Naval Shipyard is five minutes away; USCG Base Portsmouth is six. A VA loan is a common financing path here. The commute is short enough for a lunch break at home. You can move in and start your assignment without a long daily drive.

Room to grow

Three bedrooms and two bathrooms give you room to spread out. The 1,648-square-foot floor plan sits on a compact lot in a walkable neighborhood. Storage and layout allow flexibility as your needs change. If you are comparing homes for sale zoned for Manor High School and homes for sale zoned for Cradock Elementary School, this address offers solid bones and a central location.

More buyer questions

How far is 103 Decatur Street from Norfolk Naval Shipyard?

About five minutes by car. The commute is one of the shortest in the Portsmouth area.

What's nearby for groceries and dining?

Food Lion, BP, and the Scott Center Annex Commissary are all within walking distance or a short drive. Vietnam 81 Restaurant, Geraldine's Kitchen, and other spots are steps away.

Are there parks nearby?

Afton Park and Afton Square are two blocks away. George Washington Park is also close by.

What year was this home built?

1941. It has the solid construction and character typical of homes from that era.

Can I use a VA loan to buy this home?

Yes. VA loan financing is widely available for homes for sale in Portsmouth, and this property's price point and condition make it a practical option for eligible buyers.

Ready to explore this Portsmouth home? Reach out to learn more about the property, the neighborhood, and your financing options.

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

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

Portsmouth$190K – $260K3+ 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 515529

Flood Risk

Looking up FEMA flood zone…

Hurricane Evacuation Zone

Evacuation Zone A

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

Explore this neighborhood

Brighton

Brighton is a neighborhood in Portsmouth, Virginia. It has tree-lined streets and a mix of home styles. They reflect the area's deep local roots.

$283K

Median sale · 12 mo

$178

Sold $/sq ft

22d

Days on market

19

For sale now

$46K

HH income

55.2%

Owner-occupied

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

Explore Brighton →
Map of Brighton with neighborhood boundaryNeighborhood

see more Portsmouth homes →

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

$1,527/mo

Principal & interest

$1,167

Property tax

$294

Home insurance

$66

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

Asking vs. assessment

79% of $284,160

City assessment record · taxes $3,524/yr

Land share of assessed value

20% — $57,140

Improvements $227,020 · assessor record ✓

Price context — similar nearby homes

$225,000 – $381,000

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
13 Beacon RD · 1 mi · 1,600 sqft$270,000 sold 2026-08
429 Forecastle ST · 0.4 mi · 1,903 sqft$381,000 sold 2026-07

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

Sale & Tax History

List Price

$225,000

Price / Sq Ft

$137

Annual Taxes

$3,524

Monthly Tax

$294

HOA

None

Tax Rate (effective)

1.57%

Sale Timeline (this listing)

EventDatePriceDetail
ListedJun 20, 2026$225,000—
Price reducedSep 23, 2026$225,000−$25,000
Currently listed—$225,000—

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

21% below 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

95 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 Decatur St in a good school zone?+
The assigned zones on the listing record are Cradock Elementary (VaHome School Score 1.6/10), Cradock Middle (VaHome School Score 1.4/10), Manor High (VaHome School Score 3.6/10). 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

Brokered by 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.

103 Decatur St, Portsmouth — photo

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.

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