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SmithfieldCHURCH SQUARE104 Cathedral St #39-1✓ Source: REIN MLS #10602587 · record updated Mar 30, 2026 · synced every 2 min · your inquiry is never resold
104 Cathedral ST #39-1, SMITHFIELD VA 23430 - Main photo
$470,024
$248 / sqft · est. $2,840/mo →
2beds
2baths
1,898sqft
164days on market

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

Off MarketResidential · built 2026 · CHURCH SQUARE

About this home

The listing, in the seller's words

This is a home under construction with delivery in early 2026. Our popular Augusta has an open, spacious kitchen with a large kitchen island. Off the great room, an enclosed patio lights up the living space. The enclosed patio provides endless possibilities: relax and read in the afternoon or enjoy your morning coffee. The spacious owner's suite has a tray ceiling and features a luxurious bath with a large shower, double vanity, and a large walk-in closet. The second bedroom, also on the first floor, offers a large walk-in closet and a well-appointed guest bath just outside their door with tub and shower. Flex space -den, office, or hobby space. The attached two-car garage has 10' additional depth for a workbench. This home is nearing completion, and we are happy to share it with you.

Listing courtesy of Francis Lackman · CH Realty LLC · REIN MLS #10602587

Schools

  • ElementaryHardy Elementary
  • MiddleHardy
  • HighSmithfield

Info provided by GreatSchools

Facts & features

The record, sourced

Type

Residential

Year built

2026

Price / sqft

$248

HOA fee

$225/mo

Taxes

$474/yr

County

Isle of Wight County VA

MLS #

10602587

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

Utilities & systems

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

Lot, parking & ownership

Lot size
0.1365
Approx. acres
0.14
Subdivision
CHURCH SQUARE
Unit / floor
39-1
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

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

$2,615/mo

Principal & interest

$2,439

Property tax

$40

Home insurance

$137

PMI

None

HOA/Condo (paid separately)

$225

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 $474/yr

Land share of assessed value

100% — $65,000

Improvements $0 · 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

$387,800$559,900

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 Richmond AVE · 0.1 mi · 1,816 sqft$465,000 sold 2026-04
222 Richmond AVE #20-1 · 0.1 mi · 1,805 sqft$406,743 sold 2026-03
206 Oxford AVE #47-2 · 0 mi · 1,660 sqft$427,933 sold 2026-06

Sale & Tax History

List Price

$470,024

Price / Sq Ft

$248

Annual Taxes

$474

Monthly Tax

$40

HOA fee

$225 / mo

Tax Rate (effective)

0.10%

Sale Timeline (this listing)

EventDatePriceDetail
ListedNov 26, 2025$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.

Questions buyers ask

Real questions, answered from the record

Is 104 Cathedral St #39-1 in a good school zone?+
The assigned zones on the listing record are Hardy Elementary, Hardy, Smithfield. 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 Church Square HOA.
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 #10602587

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

104 Cathedral St #39-1, Smithfield, Virginia 23430 · MLS #10602587 · 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.