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Smithfield › CYPRESS CREEK › 148 Ayrshire Loop✓ Source: REIN MLS #10653428 · record updated Sep 14, 2026 · synced every 2 min · your inquiry is never resold
148 Ayrshire LOOP, SMITHFIELD VA 23430 - Main photo
148 Ayrshire LOOP, SMITHFIELD VA 23430 - Photo 2
3beds
3baths
1,973sqft
0days on market

148 Ayrshire Loop, Smithfield, VA 23430

Coming SoonResidential · built 2023 · CYPRESS CREEK

Facts & features

Type

Residential

Year built

2023

Price / sqft

$258

HOA fee

$87/mo

Taxes

$3,326/yr

County

Isle of Wight County VA

MLS #

10653428

HOA association includes

ClubhouseExercise RmGolfGround MaintPlaygroundsPoolTennis Cts

$87/mo HOA fee · N/A · per the REIN MLS listing record — confirm inclusions with the association.

Interior

Bedrooms
3
Full baths
3
Approx. sqft
1,973
Stories
2
Flooring
Carpet, Laminate/LVP
Ensuite bedrooms
1
First-floor bed & full bath
Yes
Total rooms
8
Other rooms
1st Floor Primary BR, Pantry, Porch
Appliances
220 V Elec, Dishwasher, Disposal, Dryer Hookup, Microwave, Gas Range, Washer Hookup
Equipment
Ceiling Fan, Central Vac, Gar Door Opener

Construction & exterior

Style
Traditional
Subtype
Detached
Foundation
Slab
Roof
Composite
Exterior
Fiber Cement,Stone
Sustainability
Advanced Framing, Engineered Wood Products
Pool
No Pool
Fencing
Back Fenced

Utilities & systems

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

Lot, parking & ownership

Lot size
0.2300
Subdivision
CYPRESS CREEK
Ownership
Fee Simple
Garage
Yes
Parking
Garage Att 2 Car
Possession
SETTLEMENT
Disclosures
Residential 55+ Community, Disclosure Statement, Resale Certif Req

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

About this home

Welcome to The Parke at Cypress Creek in Smithfield! This 55+ community offers low-maintenance living with access to the amenities of the larger Cypress Creek neighborhood. Perfect for those looking to "right-size" without giving up comfort or convenience. The well-appointed kitchen features an additional wall oven, ideal for entertaining and holiday gatherings. Other highlights include a tankless water heater, central vacuum, built-in garage storage, and a covered outdoor patio. Conveniently located just minutes from downtown Smithfield, with its charming shops, local restaurants, and welcoming small-town atmosphere. Come enjoy easy living in a wonderful community!

Listing courtesy of Paul Putnam · Howard Hanna Real Estate Svcs. · REIN MLS #10653428

Tom & Dariya's overview

Our read on this home

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

At a glance

Built in 2023, this 1,973-square-foot, three-bedroom, three-bath home on Ayrshire Loop brings fresh construction to Smithfield, Virginia — a small town with genuine charm, easy access to Fort Eustis, and outdoor spaces that make everyday living feel a little more relaxed.

Keep searching in Smithfield

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

Read the full overview ↓

Why this home stands out

New construction in an established small town is a rare combination, and 148 Ayrshire Loop delivers exactly that. The 2023 build means modern systems, current energy standards, and none of the deferred-maintenance guesswork that comes with older homes. Three full baths across 1,973 square feet gives everyone in the household real breathing room — and Smithfield's unhurried pace makes coming home feel like an exhale.

CYPRESS CREEK and the Smithfield real estate market

Smithfield sits in Isle of Wight County on the western bank of the Pagan River, and it carries the kind of small-town identity that most Virginia communities can only wish for. The historic downtown is lined with locally owned shops, waterfront dining, and a genuine sense of place that took generations to build. Ayrshire Loop sits within that broader Smithfield fabric — close enough to reach everything quickly, far enough from the main corridors to keep things quiet. Isle of Wight County manages growth carefully, which means the area around this address has stayed residential and walkable rather than overrun with strip development. Families comparing homes for sale zoned for Smithfield High School and homes for sale zoned for Westside Elementary School will find this location puts both campuses within easy reach. Whether you're drawn to the riverfront parks, the local food scene, or simply the slower rhythm of a town that knows what it is, Smithfield rewards the people who choose it.

What's nearby

Daily errands are straightforward from Ayrshire Loop. Royal Farms at 0.6 miles covers quick grocery runs and a hot food counter, and Dollar General is equally close for household staples. When you'd rather sit down, Q Daddy's Pitmaster BBQ is just around the corner, and Creekside Landing offers a more relaxed waterfront dining experience 0.8 miles away. Bill Laine Park is a four-minute walk at 0.4 miles, Windsor Castle Park and the Bark Park are both under a mile for longer outings, and Smithfield Fit Body Boot Camp or Raw Fitness Training Facility keep a workout routine easy to maintain.

For different buyers

For military families relocating

Joint Base Langley-Eustis (Fort Eustis) is roughly 26 minutes from 148 Ayrshire Loop, and NSA Northwest Annex sits about 28 minutes out — manageable commutes that keep Isle of Wight County well within range for service members using a VA loan to put down roots in a community that genuinely feels like home rather than a temporary stop.

For families upgrading

Three bedrooms, three full baths, and 1,973 square feet built to 2023 standards — this is the kind of space a growing household actually uses. Add Windsor Castle Park and Bill Laine Park within walking distance, and you have a setup where kids have room to move both inside and out, without the repair list that comes with an older home.

More buyer questions

How far is 148 Ayrshire Loop from Fort Eustis?

Joint Base Langley-Eustis (Fort Eustis) is approximately 26 minutes from 148 Ayrshire Loop under typical traffic conditions, making it a realistic daily commute for active-duty service members stationed there.

What is the flood zone status for 148 Ayrshire Loop?

Flood zone information for this address is covered in the FloodRisk tile on this page, which pulls current FEMA map data for the specific parcel.

Is there an HOA at 148 Ayrshire Loop in Smithfield?

HOA status for this property is listed in the details section of this page — it's worth confirming directly, as newer Smithfield subdivisions vary on whether a homeowners association governs the community.

What parks are within walking distance of Ayrshire Loop?

Bill Laine Park is about 0.4 miles away, Windsor Castle Park and the Bark Park are both within 0.6 miles — all three are reachable on foot or by a very short drive from the front door.

How does a VA loan work for buying a home in Smithfield, Virginia?

A VA loan is a government-backed mortgage available to eligible service members, veterans, and surviving spouses that typically requires no down payment and no private mortgage insurance — details on how it applies to Isle of Wight County purchases are covered in the VA loan guide on this site.

Tom and Dariya Milan know Smithfield and the surrounding Isle of Wight County well — reach out to get a straight answer on this address and what it takes to make it yours.

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

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

Smithfield$430K – $590K3+ beds

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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…

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

$3,072/mo

Principal & interest

$2,646

Property tax

$277

Home insurance

$149

PMI

None

HOA/Condo (paid separately)

$87

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

$335,000 – $559,900

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.

208 Monticello CT · 0.9 mi · 2,100 sqft$365,000 sold 2026-07
215 Monticello CT · 0.9 mi · 1,844 sqft$335,000 sold 2026-05
119 Bishops RCH · 1.2 mi · 2,002 sqft$375,000 sold 2026-06

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

Sale & Tax History

List Price

$509,900

Price / Sq Ft

$258

Annual Taxes

$3,326

Monthly Tax

$277

HOA fee

$87 / mo

Tax Rate (effective)

0.65%

Sale Timeline (this listing)

EventDatePriceDetail
ListedSep 14, 2026$509,900—
Currently listed—$509,900—

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 148 Ayrshire Loop in a good school zone?+
The assigned zones on the listing record are Westside Elementary (VaHome School Score 5.4/10), 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 148 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.
Does 148 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 N/A. Association amenities on record include: Clubhouse, Exercise Rm, Golf, Ground Maint, Playgrounds, Pool, Tennis Cts.
When was 148 Ayrshire Loop built?+
It was built in 2023, 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 Paul Putnam · Howard Hanna Real Estate Svcs. · REIN MLS #10653428

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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148 Ayrshire Loop, Smithfield — photo

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

Call or text (757) 777-7577

148 Ayrshire Loop, Smithfield, Virginia 23430 · MLS #10653428 · 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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