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Smithfield › MALLORY POINTE › 1130 Wharf Hill Dr✓ Source: REIN MLS #10631420 · record updated Sep 15, 2026 · synced every 2 min · your inquiry is never resold
1130 Wharf Hill DR, SMITHFIELD VA 23430 - Main photo
1130 Wharf Hill DR, SMITHFIELD VA 23430 - Photo 2
1130 Wharf Hill DR, SMITHFIELD VA 23430 - Photo 3
1130 Wharf Hill DR, SMITHFIELD VA 23430 - Photo 4
1130 Wharf Hill DR, SMITHFIELD VA 23430 - Photo 5
4beds
3baths
2,701sqft
145days on market

1130 Wharf Hill Dr, Smithfield, VA 23430

ActiveResidential · built 2025 · MALLORY POINTE

Facts & features

Type

Residential

Year built

2025

Price / sqft

$248

HOA fee

$40/mo

Taxes

$6,141/yr

County

Isle of Wight County VA

MLS #

10631420

HOA association includes

ClubhouseExercise RmPlaygroundsPool

$40/mo HOA fee · N/A · per the REIN MLS listing record — confirm inclusions with the association.

Interior

Bedrooms
4
Full baths
3
Approx. sqft
2,701
Stories
2
Flooring
Carpet, Ceramic, Laminate/LVP
Ensuite bedrooms
2
First-floor bed & full bath
Yes
Total rooms
9
Other rooms
Attic, Breakfast Area, PBR with Bath, Office/Study, Pantry, Porch, 1st Floor Primary BR
Appliances
Dishwasher, Dryer Hookup, Elec Range, Washer Hookup

Construction & exterior

Style
Ranch
Subtype
Detached
Foundation
Slab
Roof
Asphalt Shingle
Exterior
Shingle,Vinyl
Pool
No Pool

Utilities & systems

Heating
Forced Hot Air, Nat Gas, Programmable Thermostat
Cooling
Central Air
Water heater
Gas
Water
City/County
Sewer
City/County

Lot, parking & ownership

Lot size
0.2700
Subdivision
MALLORY POINTE
Zoning
RES
Ownership
Fee Simple
Garage
Yes
Parking
Garage Att 3+ Car, Driveway Spc, Street
Possession
SETTLE

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

About this home

The Caldwell is a ranch style home with four bedrooms and 3 full baths. This home features a first-floor primary with 2 closets, a formal dining room, spacious family room with fireplace and a designer kitchen. The second floor features a large loft, bedroom, full bathroom and an unfinished attic space. Home is available NOW!

Listing courtesy of Melissa Queeney · BHHS RW Towne Realty · REIN MLS #10631420

Tom & Dariya's overview

Our read on this home

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

At a glance

A brand-new 2025 construction in Mallory Pointe, 1130 Wharf Hill Drive brings four bedrooms, three full baths, and 2,701 square feet to a quiet Smithfield neighborhood — all within a half-mile of green space and about 24 minutes from Fort Eustis.

Keep searching in Smithfield

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

Read the full overview ↓

Why this home stands out

New construction in an established Smithfield community is genuinely rare, and 1130 Wharf Hill Drive delivers it on a 0.203-acre lot with room to breathe. You get the full package — four bedrooms, three baths, and over 2,700 square feet — without the compromises of an older home. Everything from the roof to the mechanicals is fresh, which means lower maintenance costs and modern energy efficiency right out of the gate.

MALLORY POINTE and the Smithfield real estate market

Mallory Pointe sits in the heart of Smithfield, a small city in Isle of Wight County that punches well above its size when it comes to charm. The historic downtown district — known for its brick-lined streets, independent shops, and the world-famous Smithfield ham — is just a short drive away, giving the neighborhood an authentic small-town feel that's increasingly hard to find in Hampton Roads. Wharf Hill Drive itself is a newer street with a clean, residential character: modest traffic, well-kept yards, and neighbors who tend to stay. Isle of Wight County's lower density means you're trading the congestion of Virginia Beach or Chesapeake for quieter roads and a slower pace — without sacrificing access to the broader metro area. The James River is close enough that waterfront parks and boat launches are part of everyday life here, and the surrounding countryside gives the whole area a distinctly unhurried feel.

What's nearby

Daily errands are easy from Wharf Hill Drive. Royal Farms sits just 0.7 miles away for quick grocery runs and fuel, and a Dollar General is at the same distance for household staples. When it's time to eat, you have solid options within a mile: Q Daddy's Pitmaster BBQ brings serious slow-smoked flavor at 0.7 miles, and The Oak & Ivy Taphouse — a local favorite for craft beer and a relaxed evening — is just 0.8 miles out. Green space is even closer. Beale Park is a half-mile away, Wellington Park is 0.6 miles, and Bill Laine park rounds out the options at 0.9 miles — making it easy to get outside without getting in the car.

For different buyers

For military families relocating

Joint Base Langley-Eustis (Fort Eustis) is about 24 minutes from 1130 Wharf Hill Drive, and NSA Northwest Annex is roughly 26 minutes — both well within a manageable commute. A VA loan can make a new-construction home like this one especially accessible, and Isle of Wight County's lower cost of living stretches BAH further than it would in denser parts of Hampton Roads.

For families upgrading

Families comparing homes for sale zoned for Smithfield High School and homes for sale zoned for Hardy Elementary School will find that Mallory Pointe checks a lot of boxes: a newer neighborhood, a generous floor plan at 2,701 square feet, four true bedrooms, and a lot large enough for a playset or a garden. The nearby parks at Beale and Wellington mean kids have somewhere to go without a long drive.

More buyer questions

How far is 1130 Wharf Hill Drive from Fort Eustis?

The drive from Mallory Pointe to Joint Base Langley-Eustis (Fort Eustis) is approximately 24 minutes under normal traffic conditions, making it one of the more manageable commutes in the Hampton Roads area.

Is 1130 Wharf Hill Drive in a flood zone?

Flood zone information for this address is detailed in the FloodRisk tile on this page — check that section for the most accurate and current FEMA designation.

What is the Mallory Pointe neighborhood like in Smithfield?

Mallory Pointe is a newer residential community in Smithfield with a quiet, suburban character, well-maintained streets, and easy access to downtown Smithfield's shops, restaurants, and the James River waterfront.

Does 1130 Wharf Hill Drive have an HOA?

Mallory Pointe does have a homeowners association — confirm current HOA details, rules, and any dues structure directly with the listing agent or through the community's governing documents.

What parks are near 1130 Wharf Hill Drive?

Beale Park is just 0.5 miles away, Wellington Park is 0.6 miles, and Bill Laine park is 0.9 miles — all within easy walking or biking distance from Wharf Hill Drive.

Ready to walk through 1130 Wharf Hill Drive? Tom and Dariya Milan at LPT Realty know Smithfield inside and out — reach out and let's set up a visit.

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

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

Smithfield$565K – $775K4+ beds

By subscribing you agree to receive listing emails from Tom & Dariya Milan, Realtors, at most one a day. Unsubscribe anytime · Privacy PolicyBrokered by LPT Realty

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

$4,184/mo

Principal & interest

$3,476

Property tax

$512

Home insurance

$195

PMI

None

HOA/Condo (paid separately)

$40

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

893% of $75,000

City assessment record · taxes $6,141/yr

Land share of assessed value

100% — $75,000

Improvements $0 · assessor record ✓

Price context — similar nearby homes

$450,000 – $648,600

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.

1322 Wharf Hill DR · 0.1 mi · 2,768 sqft$595,840 sold 2026-08
2114 Wentworth XING · 0.1 mi · 2,582 sqft$549,990 sold 2026-06
244 Grandville ARCH · 0.6 mi · 2,552 sqft$513,999 sold 2026-08

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

Sale & Tax History

List Price

$669,990

Price / Sq Ft

$248

Annual Taxes

$6,141

Monthly Tax

$512

HOA fee

$40 / mo

Tax Rate (effective)

0.92%

Sale Timeline (this listing)

EventDatePriceDetail
ListedApr 23, 2026$669,990—
Price reducedSep 15, 2026$669,990−$5,000
Currently listed—$669,990—

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

793% above assessment

Total Assessed

$75,000

Land

$75,000

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

145 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 1130 Wharf Hill Dr in a good school zone?+
The assigned zones on the listing record are Hardy Elementary (VaHome School Score 5.2/10), Smithfield Middle (VaHome School Score 6.1/10), Smithfield (VaHome School Score 5.1/10). School attendance zones can change — always confirm enrollment with the local school division.
Is 1130 Wharf Hill Dr 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 1130 Wharf Hill Dr?+
Yes — Smithfield Fit Body Boot Camp is about 0.9 miles away, per the cached nearby-places record for this address.
Are there parks near 1130 Wharf Hill Dr?+
Wellington Park is about 0.4 miles away.
Where is the nearest grocery store to 1130 Wharf Hill Dr?+
Royal Farms is about 0.6 miles away. The closest dining on record is Royal Farms (0.6 mi).
Does 1130 Wharf Hill Dr 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 N/A. Association amenities on record include: Clubhouse, Exercise Rm, Playgrounds, Pool.
When was 1130 Wharf Hill Dr 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 · answer their own phone

✓ Your inquiry goes to Tom & Dariya — never sold to strangers

Listing courtesy of Melissa Queeney · BHHS RW Towne Realty · REIN MLS #10631420

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

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1130 Wharf Hill Dr, Smithfield — photo

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

Call or text (757) 777-7577

1130 Wharf Hill Dr, Smithfield, Virginia 23430 · MLS #10631420 · 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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