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Smithfield › MALLORY POINTE › 1130 Wharf Hill Dr✓ Source: REIN MLS #10631420 · record updated Oct 8, 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
168days on market

1130 Wharf Hill Dr, Smithfield, VA 23430

ActiveResidential · built 2025 · MALLORY POINTE

Facts & features

Type

Residential

Year built

2025

Price / sqft

$241

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

Brand-new four-bedroom, three-bath home in Mallory Pointe, Smithfield, with 2,701 square feet on a compact lot. Modern open-concept layout connects kitchen, dining, and living seamlessly. About 24 minutes to Joint Base Langley-Eustis. Everything is fresh and ready to occupy.

Keep searching in Smithfield

See all Smithfield homes for sale, including homes for sale zoned for Smithfield High School and homes for sale zoned for Hardy Elementary School. Browse every listing among homes for sale in Smithfield — updated from the REIN MLS every few minutes.

Read the full overview ↓

Why this home stands out

Built in 2025, this home features modern construction throughout. Four bedrooms and three full baths give you flexibility for a home office, guest room, or growing storage needs. The open floor plan connects kitchen, dining, and living areas seamlessly. You're on a quiet residential street in an established neighborhood. Smithfield homes for sale in this price range rarely offer this level of newness and layout efficiency.

MALLORY POINTE and the Smithfield real estate market

Mallory Pointe is a residential neighborhood in Smithfield with tree-lined streets and well-maintained homes. The community feels settled and quiet, with easy access to local shopping and dining. Smithfield itself sits in Isle of Wight County, about 30 minutes south of Norfolk and 20 minutes north of Williamsburg. Route 17 runs nearby and connects you to I-64, making longer commutes manageable. Daily errands—groceries, gas, coffee—are all within a few minutes' drive. If you're comparing homes for sale in Smithfield, you'll find this address offers newer construction in an affordable market. The town has a small-town feel while remaining close enough to the Tidewater region for work and entertainment.

What's nearby

Beale Park is just half a mile away, offering green space and walking trails. Wellington Park sits a short drive down the road. Grocery shopping is easy: Royal Farms and Dollar General are both under a mile away. For dining, Q Daddy's Pitmaster BBQ, The Oak & Ivy Taphouse, and Royal Farms restaurant are all within walking distance or a quick drive. Bill Laine Park offers additional recreation options nearby.

For different buyers

Base commute and VA loan notes

About 24 minutes to Joint Base Langley-Eustis and 29 minutes to NSA Hampton Roads. VA loan financing is widely available in this market, and the new construction means no immediate repairs or surprises. The home is ready to occupy with no contingencies on inspection or appraisal.

Room to grow

Four bedrooms let you claim space for work, hobbies, and guests. Three full bathrooms reduce morning conflicts. The 2,701-square-foot layout separates living zones so everyone has room to breathe. A compact lot means less yard maintenance while still offering outdoor space.

More buyer questions

How far is 1130 Wharf Hill Drive from Joint Base Langley-Eustis?

About 24 minutes by car, making it convenient for active-duty and civilian employees at Fort Eustis.

What are the zoning designations for this property?

Anyone comparing homes for sale zoned for Hardy Elementary School and homes for sale zoned for Smithfield High School will find this location well-positioned for both.

Is there a garage?

Yes, the home includes garage parking. Check the property details for specific garage type and capacity.

How new is the construction?

The home was built in 2025, so everything is modern and under builder warranty.

What's the lot size?

The lot is 0.203 acres, which is compact and low-maintenance while still offering outdoor space for a small patio or garden.

Ready to tour 1130 Wharf Hill Drive? Contact Tom & Dariya Milan at LPT Realty to schedule a showing today.

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

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

Smithfield$550K – $750K4+ 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 (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 51093C

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

21.2 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.

Hurricane Evacuation Zone

Not in a designated hurricane evacuation zone.

Source: Virginia Dept. of Emergency Management — Know Your Zone

see more Smithfield homes →

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

$4,074/mo

Principal & interest

$3,373

Property tax

$512

Home insurance

$190

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

867% 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

$459,900 – $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
117 Grandville ARCH · 0.4 mi · 2,532 sqft$459,900 sold 2026-09

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

Sale & Tax History

List Price

$649,990

Price / Sq Ft

$241

Annual Taxes

$6,141

Monthly Tax

$512

HOA fee

$40 / mo

Tax Rate (effective)

0.94%

Sale Timeline (this listing)

EventDatePriceDetail
ListedApr 23, 2026$649,990—
Price reducedOct 2, 2026$649,990−$20,000
Currently listed—$649,990—

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

767% 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

168 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

Free, no obligation — your inquiry goes to Tom & Dariya, never resold.

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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