Portsmouth › SOUTH LOXLEY PLACE › 135 Francis St✓ Source: REIN MLS #10641026 · record updated Sep 28, 2026 · synced every 2 min · your inquiry is never resold

135 Francis ST, PORTSMOUTH VA 23702 - Main photo

135 Francis ST, PORTSMOUTH VA 23702 - Photo 2

135 Francis ST, PORTSMOUTH VA 23702 - Photo 3

135 Francis ST, PORTSMOUTH VA 23702 - Photo 4

135 Francis ST, PORTSMOUTH VA 23702 - Photo 5

$239,000

$151 / sqft · est. $1,568/mo →

3beds

1.1baths

1,584sqft

97days on market

135 Francis St, Portsmouth, VA 23702

Under ContractResidential · built 1988 · SOUTH LOXLEY PLACE

Facts & features

Type

Residential

Year built

1988

Price / sqft

$151

HOA

None

Taxes

$3,101/yr

County

Portsmouth VA

MLS #

10641026

Interior

Bedrooms: 3
Full baths: 1
Half baths: 1
Approx. sqft: 1,584
Stories: 1
Flooring: Carpet, Laminate/LVP, Vinyl
First-floor bed & full bath: Yes
Total rooms: 5
Other rooms: 1st Floor BR, Attic, Porch, Sun Room, Unfin.Rm Over Gar, Workshop
Appliances: 220 V Elec, Dishwasher, Disposal, Dryer, Dryer Hookup, Elec Range, Refrigerator, Washer, Washer Hookup
Equipment: Ceiling Fan

Construction & exterior

Style: Ranch
Subtype: Detached
Foundation: Crawl
Roof: Asphalt Shingle
Exterior: Vinyl
Pool: No Pool
Fencing: Wood Fence

Utilities & systems

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

Lot, parking & ownership

Lot size: 0.2760
Subdivision: SOUTH LOXLEY PLACE
Zoning: UR
Ownership: Fee Simple
Garage: No
Parking: Off Street, Driveway Spc
Possession: CLOSING
Miscellaneous: Fixer Upper
Disclosures: Disclosure Statement

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

About this home

Spacious ranch-style home situated on a large corner lot in Portsmouth. This 3-bedroom, 1.5-bath single-family home offers approximately 1,584 sq. ft. of living space on a generous 12,023 sq. ft. lot. The home features a large living area, sizable bedrooms, an open kitchen/dining space with abundant wood cabinetry, ceiling fans, central cooling, hot air heat, and a walk-in tub for added convenience. Exterior features include a welcoming front porch, screened porch, rear deck/balcony, patio area, backyard space, and a detached garage with approximately 704 sq. ft. of garage space. With plenty of space and great potential, this property is ideal for buyers looking to personalize, update, or invest. Conveniently located near shopping, dining, schools, shipyards, military bases, and major roadways.

Listing courtesy of Rana Stone · EXIT Realty Central · REIN MLS #10641026

Tom & Dariya's overview

Our read on this home

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

At a glance

This 1988 three-bedroom home sits on Francis Street in Portsmouth, just seven minutes from Norfolk Naval Shipyard. You'll find grocery stores, restaurants, and parks all within walking distance. It's a straightforward property in a convenient location for anyone comparing homes for sale in 23702.

Keep searching in Portsmouth

See all Portsmouth homes for sale, including homes for sale in 23702, homes for sale zoned for Manor High School, and homes for sale zoned for Victory Elementary School. Browse every listing among homes for sale in Portsmouth — updated from the REIN MLS every few minutes. Nearby, look at Brighton homes for sale, Portsmouth waterfront homes for sale, Portsmouth condos and townhomes for sale, and new construction homes in Portsmouth.

Read the full overview ↓

Why this home stands out

Built in 1988, this 1,584-square-foot home offers three bedrooms and 1.1 baths in a well-established Portsmouth neighborhood. The layout gives you room to work with, and the location cuts your commute to the shipyard down to minutes. Daily life is easy here: groceries, dining, and recreation are all nearby. If you're exploring Portsmouth homes for sale, this address delivers practicality and accessibility.

SOUTH LOXLEY PLACE and the Portsmouth real estate market

Francis Street sits in a residential pocket of Portsmouth where neighbors know the area well. The streets are lined with homes built through the 1980s and 1990s, giving the block a settled, established feel. You're close enough to walk to Southside Bbq and other local spots, yet far enough from major traffic to keep things quiet. Portsmouth itself is a working waterfront city with deep naval and maritime roots. Getting around is straightforward: major roads connect you to Downtown Portsmouth, the Elizabeth River waterfront, and beyond. The shipyard and Coast Guard base are both minutes away, making this neighborhood a natural fit for anyone working in the area. Schools zoned for homes for sale zoned for Manor High School and homes for sale zoned for Victory Elementary School serve the district.

What's nearby

Southside Bbq is just a two-minute walk away, and Culture Lounge 2 and Tony's Crab & Seafood are equally close. Food Lion and Amoco handle your grocery runs in under a mile. For coffee, McDonald's and Dunkin' are both nearby, with Crossings Cafe a bit further out. Recreation is accessible too: GreenwoodSniffSpot park sits half a mile away, Woodland Park is under a mile, and Brentwood Play Area rounds out your options. Planet Fitness is also within reach if you're looking for a gym.

For different buyers

Base commute and VA loan notes

Norfolk Naval Shipyard is seven minutes away; USCG Base Portsmouth is eight. This location cuts commute time and keeps your schedule flexible. VA loan financing is common in this price range and neighborhood. The home's straightforward layout means you can move in without major work.

For first-time buyers

Three bedrooms and 1.1 baths give you solid foundation space without overwhelming upkeep. The 1,584-square-foot layout is efficient and manageable. You're in a stable, established neighborhood where homes hold value. Nearby grocery stores, parks, and restaurants mean you can settle in quickly.

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

Portsmouth$200K – $275K3+ beds

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Schools

VaHome School Score

Our own 1–10 rating, scored from Virginia Department of Education data.

ElementaryVictory Elementary School
3.7/10
MiddleCradock Middle School
1.4/10
HighManor High School
3.6/10

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 515529

Flood Risk (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 515529

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

11.1 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

Evacuation Zone C

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

Explore this neighborhood

Brighton

Brighton is a neighborhood in Portsmouth, Virginia. It has tree-lined streets and a mix of home styles. They reflect the area's deep local roots.

$275K

Median sale · 12 mo

$171

Sold $/sq ft

22d

Days on market

For sale now

$46K

HH income

55.2%

Owner-occupied

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

Explore Brighton →

Neighborhood

Portsmouth homes for sale →

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

$1,568/mo

Down payment20% · $47,800

Interest rate6.75%

Loan term30 years

Principal & interest

$1,240

Property tax

$258

Home insurance

$70

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

Judge value on real ground

Asking vs. assessment

96% of $250,100

City assessment record · taxes $3,101/yr

Land share of assessed value

27% — $68,560

Improvements $181,540 · assessor record ✓

Price context — similar nearby homes

$255,000 – $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.

169 Allard RD · 0.3 mi · 1,440 sqft$276,000 sold 2026-03

9 Holly Hill CT · 0.4 mi · 1,694 sqft$255,000 sold 2026-02

205 Bunche BLVD · 0.6 mi · 1,500 sqft$315,000 sold 2026-03

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

Sale & Tax History

List Price

$239,000

Price / Sq Ft

$151

Annual Taxes

$3,101

Monthly Tax

$258

HOA

None

Tax Rate (effective)

1.30%

Sale Timeline (this listing)

Event	Date	Price	Detail
Listed	Jun 23, 2026	$239,000	—
Price reduced	Aug 11, 2026	$239,000	−$29,000
Currently listed	—	$239,000	—

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

Asking near assessment

Total Assessed

$250,100

Land

$68,560

Improvement

$181,540

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:

Portsmouth 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.

Questions buyers ask

Is 135 Francis St in a good school zone?+

The assigned zones on the listing record are Victory Elementary (VaHome School Score 3.7/10), Cradock Middle (VaHome School Score 1.4/10), Manor High (VaHome School Score 3.6/10). School attendance zones can change — always confirm enrollment with the local school division.

Is 135 Francis 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.

Is there a gym near 135 Francis St?+

Yes — Planet Fitness is about 1 miles away, per the cached nearby-places record for this address.

Are there parks near 135 Francis St?+

GreenwoodSniffSpot is about 0.8 miles away.

Where is the nearest grocery store to 135 Francis St?+

Amoco is about 0.5 miles away. The closest dining on record is Southside Bbq (0.1 mi).

Does 135 Francis St have an HOA?+

No — there are no HOA, condo, or association dues on the listing record for this property.

When was 135 Francis St built?+

It was built in 1988, 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

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 Rana Stone · EXIT Realty Central · REIN MLS #10641026

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

Call or text (757) 777-7577

135 Francis St, Portsmouth, Virginia 23702 · MLS #10641026 · 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.

✆

135 Francis St, Portsmouth, VA 23702

Facts & features

About this home

Our read on this home

Why this home stands out

SOUTH LOXLEY PLACE and the Portsmouth real estate market

What's nearby

For different buyers

Base commute and VA loan notes

For first-time buyers

More buyer questions

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

Schools

Flood & environment

🌊 Flood Risk (FEMA)

Hurricane Evacuation Zone

Brighton

Minutes to real places, not a score

Location & Neighborhood

Military Commute

Run the real carrying cost

Estimate your monthly payment

Judge value on real ground

Sale & Tax History

Sale Timeline (this listing)

Public-Records Assessment

Comparable Properties

Questions buyers ask

You'll talk to a person, not a lead queue

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

Flood Risk (FEMA)