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SmithfieldCHURCH SQUARE104 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
$470,024
$248 / sqft · est. $2,858/mo →
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 #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 — with Joint Base Langley-Eustis just 24 minutes away.

Read the full overview ↓

Why this home stands out

New construction in an established small-town setting is a rare find, and 104 Cathedral Street #39-1 delivers exactly that. Built in 2026, this 1,898-square-foot home in Church Square gives you modern finishes and systems without the compromise of an older property. Smithfield's walkable downtown character wraps right around you, so you get the charm of a historic Virginia town alongside the reliability of a home built from the ground up.

CHURCH SQUARE and the Smithfield real estate market

Church Square sits in the heart of Smithfield, Virginia — a town that earns its reputation as one of Hampton Roads' most distinctive small cities. The neighborhood takes its name from the historic church architecture that anchors this part of town, and the streetscape has a genuine, unhurried character you don't find in newer suburban developments. Smithfield is part of Isle of Wight County, which means lower density, quieter roads, and a community that still feels like a real place rather than a collection of subdivisions. Downtown Smithfield is within easy reach, with locally owned shops, waterfront views along the Pagan River, and a calendar full of community events that bring neighbors together. For commuters, Route 10 connects you efficiently to the broader Hampton Roads region. Whether you're drawn by the small-town atmosphere, the newer home stock, or the proximity to military installations, 104 Cathedral Street #39-1 puts you squarely in one of the area's most livable pockets.

What's nearby

Day-to-day errands are genuinely easy from Church Square. Royal Farms is just half a mile away for groceries and quick stops, and Dollar General is right behind it at 0.6 miles. When it's time to eat out, The Oak & Ivy Taphouse and Q Daddy's Pitmaster BBQ are both within 0.3 miles — a short walk on a nice evening. Green space is equally close: Beale Park is 0.3 miles out, Bill Laine park sits at 0.5 miles, and Windsor Park North rounds out your options at 0.8 miles. Having three parks this accessible makes outdoor routines easy to build.

For different buyers

For military families relocating

Joint Base Langley-Eustis is a 24-minute drive from 104 Cathedral Street #39-1, and NSA Northwest Annex is about 28 minutes out — both well within a reasonable daily commute. A VA loan can make buying a new-construction home like this one especially straightforward, and Smithfield's Isle of Wight County location keeps the pace of life manageable even during busy duty cycles.

For first-time buyers

Buying your first home and getting new construction at the same time is a combination that's hard to beat. At 104 Cathedral Street #39-1, everything is fresh — systems, finishes, and structure — so your early years of ownership come with far fewer surprises. The 1,898-square-foot layout gives you real room to grow, and a VA loan could make the path to ownership more accessible than you might expect.

More buyer questions

How far is 104 Cathedral Street #39-1 from Joint Base Langley-Eustis?

The drive from Church Square in Smithfield to Joint Base Langley-Eustis (Fort Eustis) runs approximately 24 minutes under normal traffic conditions. NSA Northwest Annex is about 28 minutes in a similar direction.

What is the square footage of 104 Cathedral Street #39-1?

The home offers 1,898 square feet of living space across 2 bedrooms and 2 bathrooms, situated on a 0.1365-acre lot in the Church Square neighborhood.

Is 104 Cathedral Street #39-1 new construction?

Yes — this home was built in 2026, making it brand-new construction with modern systems, materials, and finishes throughout.

Does Church Square in Smithfield have an HOA?

Church Square is a planned residential community, and prospective buyers should confirm current HOA structure and any applicable rules directly with the listing agent or community documents during due diligence.

Are there flood zone concerns for 104 Cathedral Street in Smithfield?

Smithfield and Isle of Wight County do include areas with varying flood designations — buyers should review the FEMA flood map for this specific parcel and consult with their lender and insurance provider during the purchase process.

Tom and Dariya Milan at LPT Realty know Smithfield's market inside and out — reach out to get your questions answered and schedule a closer look at 104 Cathedral Street #39-1.

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

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

$406,743$465,000

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

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.