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Smithfield › CHURCH SQUARE › 104 Cathedral St #39-1✓ Source: REIN MLS #10648190 · record updated Aug 16, 2026 · synced every 2 min · your inquiry is never resold
104 Cathedral ST #39-1, SMITHFIELD VA 23430 - Main photo
104 Cathedral ST #39-1, SMITHFIELD VA 23430 - Photo 2
104 Cathedral ST #39-1, SMITHFIELD VA 23430 - Photo 3
104 Cathedral ST #39-1, SMITHFIELD VA 23430 - Photo 4
104 Cathedral ST #39-1, SMITHFIELD VA 23430 - Photo 5
2beds
2baths
1,898sqft
8days on market

104 Cathedral St #39-1, Smithfield, VA 23430

ActiveResidential · built 2026 · CHURCH SQUARE

Facts & features

Type

Residential

Year built

2026

Price / sqft

$248

HOA fee

$240/mo

Taxes

$504/yr

County

Isle of Wight County VA

MLS #

10648190

Interior

Bedrooms
2
Full baths
2
Approx. sqft
1,898
Stories
1
Flooring
Carpet, Laminate/LVP
First-floor bed & full bath
Yes
Total rooms
6
Appliances
Dishwasher, Disposal, Dryer Hookup, Energy Star Appliance(s), Microwave, Elec Range, Washer Hookup

Construction & exterior

Style
Craftsman
Subtype
Attached
Foundation
Slab
Roof
Asphalt Shingle
Exterior
Stone,Vinyl
Pool
No Pool
Fencing
Privacy

Utilities & systems

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

Lot, parking & ownership

Lot size
0.1365
Subdivision
CHURCH SQUARE
Ownership
Fee Simple
Garage
Yes
Parking
Garage Att 2 Car
Possession
AT CLOSING
Disclosures
Residential 55+ Community

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

About this home

***New Construction - Available Now!!!*** This popular Augusta model has everything 55+ are looking for: one-level living, a large, spacious kitchen with an entertaining island, lots of natural light, a private outdoor courtyard, a well-appointed owner's suite, a generous guest suite, flex room for den/office/hobby space, storage galore- an oversized 2-car garage! Boutique 55+ community steps from downtown Smithfield. Lively and engaged social activities, pool, fitness center, expansive clubhouse, and grounds. You don't want to miss this amazing opportunity! Please call to schedule your appointment with our on-site sales manager to learn more about this home and wonderful community! Low-maintenance living at Church Square: neighbors are friends, and life is never boring. Join in the fun and relax in your home.

Listing courtesy of Francis Lackman · CH Realty LLC · REIN MLS #10648190

VaHome team overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · LPT Realty

At a glance

104 Cathedral Street, Unit 39-1 is a brand-new 2-bedroom, 2-bath home in Smithfield's Church Square community, offering 1,898 square feet of thoughtfully designed living space on a 0.14-acre lot — all within a short drive of Joint Base Langley-Eustis and the heart of historic Smithfield.

Keep searching in Smithfield

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

Read the full overview ↓

Why this home stands out

Built in 2026, this Church Square residence arrives with the kind of peace of mind that only new construction delivers — fresh systems, modern finishes, and zero deferred maintenance from day one. At nearly 1,900 square feet, the floor plan gives two full bathrooms and generous room proportions that feel rare at this size. Smithfield's small-town character wraps around the address without sacrificing quick access to the Hampton Roads metro.

CHURCH SQUARE and the Smithfield real estate market

Church Square sits in the heart of Smithfield, Virginia — a town that consistently earns its reputation as one of the most livable small cities on the south side of Hampton Roads. The streets here have genuine character: mature trees, walkable blocks, and a downtown corridor where local restaurants and boutique shops have been part of the fabric for generations. Isle of Wight County provides the governing jurisdiction, which means a quieter pace than the larger independent cities nearby without giving up access to them. Smithfield itself is compact enough that you can run most daily errands without ever touching a highway, yet the James River Bridge puts Newport News within easy reach. Families comparing homes for sale zoned for Smithfield High School will find Church Square consistently on their shortlist — the neighborhood's central location keeps school commutes short and community ties strong. Whether you're drawn by the town's famous history, its farmers market energy, or simply the relief of a neighborhood where people actually know their neighbors, Church Square delivers.

What's nearby

Daily life is easy from Cathedral Street. The Oak & Ivy Taphouse and Q Daddy's Pitmaster BBQ are both within 0.3 miles — walkable on a Friday evening without moving the car. Beale Park is equally close at 0.3 miles, and Bill Laine Park adds another green-space option just half a mile out; Windsor Park North rounds out the outdoor choices at 0.8 miles. Royal Farms at 0.5 miles handles quick grocery and convenience runs, with Dollar General at 0.6 miles as a backup. You're genuinely well-positioned here.

For different buyers

For military families relocating

Joint Base Langley-Eustis is about 24 minutes from Cathedral Street, and NSA Northwest Annex sits roughly 28 minutes away — both well within a practical daily commute. New construction means no surprise repair bills during a PCS transition, and a VA loan pairs cleanly with a 2026 build. Church Square's central Smithfield location keeps the rest of life manageable between duty days.

For first-time buyers

A brand-new home in an established neighborhood is a strong starting point. The 2026 build date means modern energy standards, fresh warranties, and no inherited problems — exactly the kind of clean slate that makes first-time ownership less stressful. At 1,898 square feet with two full baths, there's room to grow into the space, and Smithfield's walkable core keeps daily costs predictable.

More buyer questions

How far is 104 Cathedral Street from Joint Base Langley-Eustis?

The drive from Church Square to Joint Base Langley-Eustis runs approximately 24 minutes under normal traffic conditions. The James River Bridge corridor is the primary route, and most service members find the commute manageable on a daily basis.

What is the flood zone status for 104 Cathedral Street in Smithfield?

Flood zone information for this address is displayed in the dedicated FloodRisk tile on this page, which pulls current FEMA map data. Review that section for the most accurate and up-to-date designation.

Is 104 Cathedral Street part of an HOA?

Church Square does have a homeowners association. HOA fee amounts are not displayed here, but your agent can pull the current disclosure packet, which includes dues, rules, and reserve fund details.

What are the closest parks to 104 Cathedral Street?

Beale Park is just 0.3 miles away, making it an easy walk for morning routines or afternoon outings. Bill Laine Park at 0.5 miles and Windsor Park North at 0.8 miles add additional outdoor options within the immediate area.

Can a VA loan be used to purchase a new construction home like this one?

Yes — a VA loan can be used for new construction, though the process involves a few additional steps such as builder approval and construction inspections. A lender experienced with VA new-construction financing can walk you through the specifics for a 2026 build.

Tom and Dariya Milan at LPT Realty know Church Square and the broader Smithfield market well. Reach out to get your questions answered and schedule a closer look at 104 Cathedral Street.

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

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

Smithfield$395K – $545K2+ 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

$2,618/mo

Principal & interest

$2,439

Property tax

$42

Home insurance

$137

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

Why the land carries the value

Asking vs. assessment

723% of $65,000

City assessment record · taxes $504/yr

Land share of assessed value

100% — $65,000

Improvements $0 · assessor record ✓

Price context — similar nearby homes

$412,705 – $470,000

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.

224 St. Pauls Avenue #32-3 · 0.1 mi · 1,898 sqft$412,705 sold 2026-07
209 Oxford AVE #40-1 · 0 mi · 1,805 sqft$446,757 sold 2026-08
224 Richmond AVE · 0.1 mi · 1,816 sqft$465,000 sold 2026-04

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

Sale & Tax History

List Price

$470,024

Price / Sq Ft

$248

Annual Taxes

$504

Monthly Tax

$42

HOA fee

$240 / mo

Tax Rate (effective)

0.11%

Sale Timeline (this listing)

EventDatePriceDetail
ListedAug 8, 2026$470,024—
Currently listed—$470,024—

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

623% above assessment

Total Assessed

$65,000

Land

$65,000

Improvement

N/A

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

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 104 Cathedral St #39-1 in a good school zone?+
The assigned zones on the listing record are Smithfield, Hardy (VaHome School Score 5.2/10), Smithfield (VaHome School Score 5.1/10). School attendance zones can change — always confirm enrollment with the local school division.
Is 104 Cathedral St #39-1 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.
Are there parks near 104 Cathedral St #39-1?+
Beale Park is about 0.3 miles away.
Where is the nearest grocery store to 104 Cathedral St #39-1?+
Royal Farms is about 0.6 miles away. The closest dining on record is The Oak & Ivy Taphouse (0.2 mi).
Does 104 Cathedral St #39-1 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 none.
When was 104 Cathedral St #39-1 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 Francis Lackman · CH Realty LLC · REIN MLS #10648190

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.

104 Cathedral St #39-1, Smithfield — photo

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

Call or text (757) 777-7577

104 Cathedral St #39-1, Smithfield, Virginia 23430 · MLS #10648190 · 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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