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✓ Source: REIN MLS #10659578 · record updated Oct 31, 2026 · synced every 2 min · your inquiry is never resold
109 N 4th ST, SUFFOLK VA 23434 - Main photo
109 N 4th ST, SUFFOLK VA 23434 - Photo 2
109 N 4th ST, SUFFOLK VA 23434 - Photo 3
109 N 4th ST, SUFFOLK VA 23434 - Photo 4
109 N 4th ST, SUFFOLK VA 23434 - Photo 5
3beds
2.1baths
1,680sqft
1days on market

109 N 4th St, Suffolk, VA 23434

New ListingResidential · built 2025 · LLOYD PLACE

About this home

Could this be home for the holidays? Schedule a tour of this 2025 build located in the Historic Downtown area of Suffolk. This home has great curb appeal and a beautiful aesthetic with white vinyl, complemented by black trim and a covered porch. A beautiful and bright entrance during the day with natural light, or at night with the generous lighting throughout the living room, extending to the kitchen and eating area. The kitchen offers stainless steel appliances, an island, and shares space with the open concept this home offers. New Fence - 2026, New Water Treatment System - 2026

Listing courtesy of Kelita Boone · Keller Williams Town Center · REIN MLS #10659578

Facts & features

Type

Residential

Year built

2025

Price / sqft

$195

HOA

None

Taxes

$2,915/yr

County

Suffolk VA

MLS #

10659578

Interior

Bedrooms
3
Full baths
2
Half baths
1
Approx. sqft
1,680
Stories
2
Flooring
Carpet, Laminate/LVP
Ensuite bedrooms
1
Total rooms
7
Other rooms
PBR with Bath, Pantry, Porch, Utility Closet
Appliances
Dishwasher, Disposal, Dryer, Dryer Hookup, Microwave, Elec Range, Refrigerator, Washer, Washer Hookup
Equipment
Ceiling Fan, Security Sys

Construction & exterior

Style
Traditional
Subtype
Detached
Foundation
Crawl
Roof
Asphalt Shingle
Exterior
Aluminum,Vinyl
Pool
No Pool
Fencing
Wood Fence

Utilities & systems

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

Lot, parking & ownership

Lot size
0.0600
Subdivision
LLOYD PLACE
Ownership
Fee Simple
Garage
No
Parking
Multi Car, Off Street, Driveway Spc
Possession
AT SETTLEMENT
Disclosures
Disclosure Statement

See more Suffolk new construction homes.

Sources: REIN MLS record

Tom & Dariya's overview

Our read on this home

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

At a glance

109 N 4th St is a 2025-built, three-bedroom home in downtown Suffolk, Virginia. At 1,680 square feet, it brings fresh construction to a walkable city block. Joint Staff J7 Suffolk is about two minutes away. This is one of the newer homes for sale in 23434.

Keep searching in Suffolk

See all Suffolk homes for sale, including homes for sale in 23434, homes for sale zoned for King's Fork High School, and homes for sale zoned for Mack Benn Junior Elementary School. Nearby, look at Lloyd Place homes for sale, Suffolk waterfront homes for sale, Suffolk condos and townhomes for sale, and new construction homes in Suffolk.

Read the full overview ↓

Why this home stands out

Most homes this close to downtown Suffolk carry decades of deferred maintenance. This one was finished in 2025. You get new mechanicals, new finishes, and a layout that works — three bedrooms, two full baths, a half bath, and 1,680 square feet of thoughtfully arranged space. The half bath on the main level is a detail that older homes in this price range rarely offer. New construction in a walkable downtown location is genuinely hard to find here.

LLOYD PLACE and the Suffolk real estate market

The block around N 4th St sits in the heart of historic downtown Suffolk. Streets here are lined with a mix of older brick buildings and newer infill, giving the area a layered, lived-in feel. Joyner Park is just 0.3 miles away — an easy walk on most days. The neighborhood is compact and flat, which makes running errands on foot a real option. Suffolk itself is one of the largest cities by land area in Virginia. It stretches from the Nansemond River waterfront out to farmland and wooded corridors. Downtown is the civic and cultural core, with city hall, local restaurants, and community events all within reach. Getting around is straightforward — US-58 and US-460 connect you to the wider Hampton Roads region quickly. Anyone comparing Suffolk homes for sale will notice that downtown addresses like this one are rare in the new-construction category.

What's nearby

Joyner Park is a three-minute walk from the front door. Cypress Park and Tynes Park are both under a mile away, giving you green space in multiple directions. Cafe Davina, Holland's, and Brighter Day Cafe are all within 0.7 miles for your morning coffee. Kalabash Cuisine and Ding Wing are right around the corner for dinner. Red Barn Food Store covers quick grocery runs at 0.5 miles out. Triple T Sports Center, Planet Fitness, and C-FIT Studio are all within 0.7 miles — three solid gym options without a long drive.

For different buyers

Base commute and VA loan notes

Joint Staff J7 Suffolk is about two minutes from this address — as short a commute as you will find in the city. Norfolk Naval Shipyard is roughly 33 minutes east. VA loan financing is common on new construction like this, and a 2025 build means no deferred-maintenance surprises during the inspection process. The home is ready to occupy without a renovation queue ahead of you.

For first-time buyers

New construction removes one of the biggest first-time buyer worries — unknown repair costs. Everything at 109 N 4th St is brand new as of 2025, from the roof to the mechanicals. Three bedrooms and 2.5 baths give you room to grow without overpaying for square footage you don't need yet. The walkable downtown location means you spend less time in the car on everyday errands.

More buyer questions

How far is 109 N 4th St from Joint Staff J7 Suffolk?

The base is about two minutes away by car — one of the shortest base commutes available in the city.

How far is 109 N 4th St from Norfolk Naval Shipyard?

Norfolk Naval Shipyard is roughly 33 minutes east via US-58 and I-664.

What year was 109 N 4th St built?

The home was completed in 2025, making it among the newest construction available downtown.

Is 109 N 4th St in a flood zone?

Flood zone status for this address is covered in the FloodRisk tile on this page — check that section for the current FEMA designation.

Where can I find other homes for sale zoned for King's Fork High School and homes for sale zoned for Mack Benn Junior Elementary School?

Both school-zone pages are linked from this site and show every active address currently assigned to those schools.

Tom and Dariya Milan know downtown Suffolk well. Reach out to schedule a walkthrough of 109 N 4th St — or to talk through any other Suffolk homes for sale that fit your plans.

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

How Far Is?

Driving distance by road and typical drive time via Google Maps, to the nearest location of each.

Also nearby

Distances are straight-line (as the crow flies) from this property, not driving miles. Places within ~1 mile, nearest first. Powered by Google Places.

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

Suffolk$275K – $380K3+ 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 510156

Flood Risk (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 510156

Low / Moderate Risk

FEMA flood zone

X (low to moderate risk)

Base flood elevation

Not applicable in low-risk zones

Zone X is outside the Special Flood Hazard Area; FEMA doesn\u2019t define a BFE here.

Property elevation

42.7 ft above sea level

USGS 3DEP digital elevation model

Outside the high-risk Special Flood Hazard Area. Federal flood insurance is NOT required, though optional preferred-rate NFIP coverage is still worth considering in coastal Hampton Roads.

Data sources: Flood zone and base flood elevation come from FEMA\u2019s National Flood Hazard Layer. Property elevation is sampled from a single point on the parcel using the USGS National Map elevation service \u2014 actual elevations across a single property can vary by several feet higher or lower than the figure shown. Use these numbers as a starting reference and do your own due diligence (a professional survey or elevation certificate) before relying on them for any financial, insurance, or construction decision.

Explore this neighborhood

Lloyd Place

Lloyd Place is a settled neighborhood in central Suffolk, Virginia, in ZIP 23434. It runs along North and South Lloyd Street, just off the downtown core and the East Washington Street corridor.

$304K

Median sale · 12 mo

$194

Sold $/sq ft

27d

Days on market

11

For sale now

$46K

HH income

52.8%

Owner-occupied

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

Explore Lloyd Place →
Map of Lloyd Place with neighborhood boundaryNeighborhood

houses for sale in Suffolk →

Military Commute

Drive times to nearest bases

J7 Suffolk

Joint

6min·1.1mi

NNSY

Navy

25min·17.9mi

NMCP

Navy

28min·18.3mi

USCG Portsmouth

Coast Guard

28min·19.2mi

USCG Finance Ctr

Coast Guard

29min·23.7mi

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

Payment Calculator

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

$2,035/mo

Principal & interest

$1,697

Property tax

$243

Home insurance

$95

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

Comparables

Price context — similar nearby homes

$145,000 – $345,000

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.

329 N Capital ST · 0.3 mi · 1,714 sqft$315,000 sold 2026-09
118 S Capital ST · 0.1 mi · 1,520 sqft$215,000 sold 2026-09
224 Locust ST · 0.6 mi · 1,638 sqft$345,000 sold 2026-07

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

Sale & Tax History

List Price

$327,000

Price / Sq Ft

$195

Annual Taxes

$2,915

Monthly Tax

$243

HOA

None

Tax Rate (effective)

0.89%

Sale Timeline (this listing)

EventDatePriceDetail
ListedOct 30, 2026$327,000—
Currently listed—$327,000—

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:

Suffolk 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

1 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 109 N 4th St in a good school zone?+
The assigned zones on the listing record are Mack Benn Jr. Elementary, John F. Kennedy Middle (VaHome School Score 3.4/10), Kings Fork. School attendance zones can change — always confirm enrollment with the local school division.
Is 109 N 4th 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.
Does 109 N 4th St have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 109 N 4th St built?+
It was built in 2025, 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

Listing courtesy of Kelita Boone · Keller Williams Town Center · REIN MLS #10659578

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.

109 N 4th St, Suffolk — photo

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

Call or text (757) 777-7577

109 N 4th St, Suffolk, Virginia 23434 · MLS #10659578 · 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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