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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
$445,225
$191 / sqft · est. $2,835/mo →
3beds
3baths
2,325sqft
0days on market

140 Ayrshire Loop, Smithfield, VA 23430

Under ContractResidential · built 2025 · CYPRESS CREEK

About this home

The listing, in the seller's words

BRAMANTE 2-STORY. SOLD. TBB.

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

VaHome team overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · LPT Realty

At a glance

140 Ayrshire Loop is a brand-new 2025 construction home in Smithfield's Cypress Creek neighborhood — 3 bedrooms, 3 full baths, and 2,325 square feet of thoughtfully designed living space sitting just 26 minutes from Joint Base Langley-Eustis.

Read the full overview ↓

Why this home stands out

Built in 2025, this Cypress Creek home gives you the rare combination of new construction quality and a Smithfield address — a town that still feels genuinely small without being far from anything. Three full bathrooms across 2,325 square feet means no one is sharing, and the layout is sized right for households that need room to spread out without maintaining more house than they want.

CYPRESS CREEK and the Smithfield real estate market

Cypress Creek is a newer residential community in Smithfield, Virginia — Isle of Wight County's most recognizable town and one of the most historically preserved small cities in the Hampton Roads region. Smithfield carries a distinct character: wide-open lots, mature tree canopies, a walkable downtown with local restaurants and boutiques, and a pace that feels genuinely unhurried. The town sits along the Pagan River, which feeds into the James, and that water-town sensibility shows up in the culture and the landscape alike. Cypress Creek fits right into that rhythm — newer homes, clean streetscapes, and a neighborhood feel that's still forming, which means you're getting in while the community is fresh. Isle of Wight County jurisdiction means lower density than the urban core of Hampton Roads, with a strong sense of place that residents tend to hold onto for a long time.

What's nearby

Day-to-day errands are easy from 140 Ayrshire Loop. Royal Farms is just 0.6 miles away for quick grocery runs, and Windsor Castle Park — one of Smithfield's most beloved green spaces — is the same distance. Bill Laine Park is even closer at 0.4 miles, and if you have a dog, Bark Park is right there too. For dinner, Q Daddy's Pitmaster BBQ and Creekside Landing are both within a mile. Smithfield Fit Body Boot Camp and Raw Fitness Training Facility are both under a mile for your workout routine, making it easy to stay consistent without a long drive.

For different buyers

For military families relocating

Joint Base Langley-Eustis is 26 minutes from 140 Ayrshire Loop, and NSA Northwest Annex is just 28 minutes out — both well within a comfortable daily commute. New construction means no deferred maintenance surprises during a PCS move, and a VA loan can make this 2025 build even more accessible for eligible service members and veterans.

For families upgrading

Three full bathrooms and 2,325 square feet give a growing family real breathing room — no more morning traffic jams in the hallway. Cypress Creek is a newer community in a town known for its quality of life, and with Windsor Castle Park and Bark Park less than a mile away, weekend mornings have a natural destination built right in.

More buyer questions

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

The drive from 140 Ayrshire Loop to Joint Base Langley-Eustis (Fort Eustis) is approximately 26 minutes under normal traffic conditions. NSA Northwest Annex is about 28 minutes away, making this home a practical choice for personnel assigned to either installation.

What is the Cypress Creek neighborhood like in Smithfield?

Cypress Creek is a newer residential community in Smithfield, Virginia, characterized by modern construction, clean streetscapes, and a quieter suburban feel within Isle of Wight County. It offers proximity to Smithfield's historic downtown while maintaining a fresh, developing neighborhood atmosphere.

Is 140 Ayrshire Loop in a flood zone?

Flood zone information for 140 Ayrshire Loop is displayed in the FloodRisk tile on this page, which pulls current FEMA map data for the property's specific parcel.

What parks are near 140 Ayrshire Loop?

Bill Laine Park is just 0.4 miles away, and both Windsor Castle Park and Bark Park are within 0.6 miles — making this address one of the more park-accessible spots in the Smithfield area.

Does Cypress Creek have an HOA?

Cypress Creek does have a homeowners association — specific fee details and community rules are available through the HOA directly or via disclosure documents provided during the purchase process.

Tom and Dariya Milan know Smithfield and the Cypress Creek community well — reach out through vahome.com to get your questions answered and schedule a walkthrough of 140 Ayrshire Loop.

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

Schools

  • ElementaryHardy Elementary
    —
  • MiddleSmithfield Middle
    —
  • HighSmithfield
    —

Info provided by GreatSchools

Facts & features

The record, sourced

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

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

Why we show no algorithmic estimate.

National AVMs misprice homes whose value drivers they can't see. Instead: the sourced assessment above, the carrying cost, real price history, and honest comparables below.

Price context — similar nearby homes

$365,000 – $513,999

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.

208 Monticello CT · 0.9 mi · 2,100 sqft$365,000 sold 2026-07
355 Grace ST · 1.3 mi · 2,376 sqft$435,000 sold 2026-07
311 Main ST · 1.2 mi · 2,229 sqft$385,000 sold 2026-07

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

Real questions, answered from the record

Is 140 Ayrshire Loop in a good school zone?+
The assigned zones on the listing record are Hardy Elementary, Smithfield Middle, Smithfield. 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

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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