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Smithfield › CYPRESS CREEK › 140 Ayrshire Loop✓ Source: REIN MLS #10522172 · record updated Jan 8, 2025 · synced every 2 min · your inquiry is never resold
140 Ayrshire Loop, Smithfield VA 23430 - Main photo
140 Ayrshire Loop, Smithfield VA 23430 - Photo 2
140 Ayrshire Loop, Smithfield VA 23430 - Photo 3
140 Ayrshire Loop, Smithfield VA 23430 - Photo 4
140 Ayrshire Loop, Smithfield VA 23430 - Photo 5
3beds
3baths
2,325sqft
0days on market

140 Ayrshire Loop, Smithfield, VA 23430

Under ContractResidential · built 2025 · CYPRESS CREEK

Facts & features

Type

Residential

Year built

2025

Price / sqft

$191

HOA fee

$83/mo

Taxes

$3,740/yr

County

Isle of Wight County VA

MLS #

10522172

HOA association includes

ClubhouseExercise RmPlaygroundsPool

$83/mo HOA fee · NONE · per the REIN MLS listing record — confirm inclusions with the association.

Interior

Bedrooms
3
Full baths
3
Approx. sqft
2,325
Stories
2
Flooring
Carpet, Laminate/LVP
First-floor bed & full bath
Yes
Total rooms
7
Other rooms
1st Floor BR, 1st Floor Primary BR, Assigned Storage, Foyer, Loft, PBR with Bath, Office/Study, Pantry, Porch
Interior features
Primary Sink-Double, Walk-In Attic
Appliances
Dishwasher, Disposal, Dryer Hookup, Energy Star Appliance(s), Microwave, Gas Range, Washer Hookup
Equipment
Cable Hookup, Gar Door Opener

Construction & exterior

Style
Traditional
Subtype
Detached
Foundation
Slab
Roof
Asphalt Shingle
Exterior
Fiber Cement,Stone
Sustainability
Advanced Framing, Engineered Wood Products
Exterior features
Patio
Pool
No Pool

Utilities & systems

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

Lot, parking & ownership

Subdivision
CYPRESS CREEK
Ownership
Fee Simple
Garage
Yes
Parking
Garage Att 2 Car, 2 Space, Driveway Spc
Possession
CLOSING
Miscellaneous
Warranty Plan
Disclosures
Residential 55+ Community, Exempt from Disclosure/Disclaimer

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

About this home

BRAMANTE 2-STORY. SOLD. TBB.

Listing courtesy of Jenny Lovell · BHHS RW Towne Realty · REIN MLS #10522172

Tom & Dariya's overview

Our read on this home

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

At a glance

140 Ayrshire Loop is a brand-new 2025 construction in Smithfield's Cypress Creek neighborhood — three bedrooms, three full baths, and 2,325 square feet of thoughtfully designed living space in one of Isle of Wight County's most welcoming communities.

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 2025 means everything — the roof, the mechanicals, the finishes — is factory-fresh, and you carry none of the maintenance baggage that comes with older homes. Cypress Creek delivers that rare combination of small-town Smithfield charm and genuine square footage: three full baths across 2,325 square feet gives every household member real breathing room, not just a number on a flyer.

CYPRESS CREEK and the Smithfield real estate market

Cypress Creek sits on the quieter, greener side of Smithfield, a town that earns its reputation as one of Hampton Roads' most livable small cities. The streets here feel intentional — wide enough for evening walks, tree-lined enough to feel like a real neighborhood rather than a development. Smithfield itself is the kind of place where a Saturday morning can stretch from a farmers market stop to a waterfront stroll without ever feeling rushed. Isle of Wight County keeps density low and green space generous, and that character runs right through Cypress Creek. You're close enough to the broader Hampton Roads metro to reach major employers, military installations, and urban conveniences without trading away the pace of life that makes Smithfield worth choosing. For families comparing homes for sale zoned for Smithfield High School and homes for sale zoned for Hardy Elementary School, this loop address puts you squarely inside that attendance zone.

What's nearby

Daily life is easy from Ayrshire Loop. Royal Farms is just 0.6 miles away for quick grocery runs, and Windsor Castle Park — a genuinely beautiful riverside park — is the same distance when you need fresh air. Bill Laine Park is even closer at 0.4 miles, and Bark Park makes dog ownership a lot more convenient. Q Daddy's Pitmaster BBQ and Creekside Landing give you solid sit-down dinner options within a mile. Smithfield Fit Body Boot Camp and Raw Fitness Training Facility are both under a mile for anyone keeping a workout routine. McDonald's covers the coffee-and-quick-bite mornings at 0.9 miles.

For different buyers

For military families relocating

Joint Base Langley-Eustis runs about 26 minutes from Ayrshire Loop, and NSA Northwest Annex is roughly 28 minutes out — both well within the range most service members target for a manageable commute. New construction means fewer surprise repair bills during a tour of duty, and a VA loan pairs naturally with a move-in-condition home like this one.

For families upgrading

Three full bathrooms across 2,325 square feet is the upgrade most growing families are actually looking for — no more morning traffic jams in the hallway. Built in 2025, the home carries a full builder's warranty timeline, so your budget goes toward living rather than fixing. Cypress Creek's neighborhood feel and proximity to Windsor Castle Park make the lifestyle match as strong as the floor plan.

More buyer questions

How far is 140 Ayrshire Loop from Joint Base Langley-Eustis?

The drive to Fort Eustis runs approximately 26 minutes under normal traffic conditions, making this address a practical choice for service members stationed there. NSA Northwest Annex is about 28 minutes in the opposite direction.

What is the flood zone status for 140 Ayrshire Loop?

Flood zone designation for this address is covered in the FloodRisk tile on this page, which pulls current FEMA map data — check that section for the most accurate and up-to-date information.

Is 140 Ayrshire Loop part of an HOA?

Cypress Creek does have a homeowners association. Specific fee amounts and covenants are best confirmed through current community disclosures, but the HOA structure is in place for the neighborhood.

What parks are near 140 Ayrshire Loop?

Bill Laine Park is just 0.4 miles away, Windsor Castle Park and Bark Park are both 0.6 miles out — a strong lineup for outdoor time, dog walks, and weekend recreation without leaving the immediate area.

When was 140 Ayrshire Loop built?

The home was built in 2025, making it brand-new construction with all the benefits of modern materials, current building codes, and fresh mechanicals from day one.

Tom and Dariya Milan at LPT Realty know Cypress Creek and the Smithfield market well — reach out to get your questions answered and schedule a walkthrough of 140 Ayrshire Loop.

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

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

Smithfield$375K – $515K3+ 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

$2,752/mo

Principal & interest

$2,310

Property tax

$312

Home insurance

$130

PMI

None

HOA/Condo (paid separately)

$83

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

Price context — similar nearby homes

$360,000 – $549,900

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.

216 Monticello CT · 0.9 mi · 2,124 sqft$360,000 sold 2026-08
208 Monticello CT · 0.9 mi · 2,100 sqft$365,000 sold 2026-07
107 Harrison DR · 1 mi · 2,100 sqft$455,000 sold 2026-02

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

Sale & Tax History

List Price

$445,225

Price / Sq Ft

$191

Annual Taxes

$3,740

Monthly Tax

$312

HOA fee

$83 / mo

Tax Rate (effective)

0.84%

Sale Timeline (this listing)

EventDatePriceDetail
ListedMay 9, 2026$445,225—
Currently listed—$445,225—

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.

Questions buyers ask

Is 140 Ayrshire Loop 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 140 Ayrshire Loop 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 140 Ayrshire Loop?+
Yes — Smithfield Fit Body Boot Camp is about 0.8 miles away, per the cached nearby-places record for this address.
Are there parks near 140 Ayrshire Loop?+
Bill Laine is about 0.6 miles away.
Where is the nearest grocery store to 140 Ayrshire Loop?+
Dollar General is about 0.7 miles away. The closest dining on record is Creekside Landing (0.6 mi).
Does 140 Ayrshire Loop 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. Association amenities on record include: Clubhouse, Exercise Rm, Playgrounds, Pool.
When was 140 Ayrshire Loop 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 Jenny Lovell · BHHS RW Towne Realty · REIN MLS #10522172

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.

140 Ayrshire Loop, Smithfield — photo

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

Call or text (757) 777-7577

140 Ayrshire Loop, Smithfield, Virginia 23430 · MLS #10522172 · 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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