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✓ Source: REIN MLS #10653428 · record updated Oct 28, 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
148 Ayrshire LOOP, SMITHFIELD VA 23430 - Photo 3
148 Ayrshire LOOP, SMITHFIELD VA 23430 - Photo 4
148 Ayrshire LOOP, SMITHFIELD VA 23430 - Photo 5
3beds
3baths
1,973sqft
41days on market

148 Ayrshire Loop, Smithfield, VA 23430

ActiveResidential · built 2023 · CYPRESS CREEK

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

Facts & features

Type

Residential

Year built

2023

Price / sqft

$251

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

Tom & Dariya's overview

Our read on this home

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

At a glance

Meet 148 Ayrshire Loop, a bright three-bedroom, three-bath home built in 2023 in Smithfield. With nearly 2,000 square feet of modern living space, you'll find everything new and ready to move in. It's about 26 minutes to Joint Base Langley-Eustis and close to daily essentials.

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 Westside Elementary School.

Read the full overview ↓

Why this home stands out

This home was built in 2023, so every system is current and under warranty. Three full bathrooms mean no morning conflicts, and the open floor plan makes the space feel even larger than its 1,973 square feet. You're on a quiet loop in a newer subdivision where the neighborhood is still taking shape. Smithfield homes for sale in this price range rarely offer this combination of newness, layout, and location.

CYPRESS CREEK and the Smithfield real estate market

Ayrshire Loop sits in a developing residential area of Smithfield where newer construction is the norm. The streets are tree-lined and calm, with room to breathe between homes. Smithfield itself is a historic town with small-town charm and growing commercial corridors. You're about 30 minutes from Newport News and 40 minutes from Virginia Beach, so city amenities are within reach without the daily commute stress. Isle of Wight County schools serve the area. The town center has local shops and restaurants, and Route 17 connects you to larger shopping and services. Anyone comparing homes for sale zoned for Westside Elementary School and homes for sale zoned for Smithfield High School will find this location serves both. Daily life here balances quiet residential streets with easy access to what you need.

What's nearby

Bill Laine Park is just a quarter-mile away, perfect for quick outdoor time. Windsor Castle Park and Bark Park are both under a mile, offering more space to play and explore. Groceries are close: Royal Farms and Dollar General sit at 0.6 miles, with bp at 0.9 miles. For eating out, Q Daddy's Pitmaster BBQ and Royal Farms are nearby, while Creekside Landing adds another option at 0.8 miles. Fitness options include Smithfield Fit Body Boot Camp and Raw Fitness Training Facility, both within a mile.

For different buyers

Base commute and VA loan notes

About 26 minutes to Joint Base Langley-Eustis and 32 minutes to NSA Hampton Roads makes this home convenient for base commuters. Built in 2023, it qualifies for VA loan financing and needs no repairs or updates before move-in. Three bedrooms and three bathrooms give everyone their own space, and the modern construction means lower maintenance costs.

Room to grow

Three bedrooms and three full bathrooms provide flexibility for a home office, guest room, or kids' spaces. Nearly 2,000 square feet gives you room to spread out without the upkeep of a sprawling lot. The open floor plan connects living areas, and the new construction means storage and systems are efficient and modern.

More buyer questions

How far is 148 Ayrshire Loop from Joint Base Langley-Eustis?

About 26 minutes by car, making it a reasonable commute for base personnel. NSA Hampton Roads is roughly 32 minutes away.

What year was this home built?

148 Ayrshire Loop was completed in 2023, so all systems and finishes are new and under warranty.

Are there parks nearby?

Yes. Bill Laine Park is just 0.4 miles away, and Windsor Castle Park and Bark Park are both under a mile.

What grocery stores are close to this address?

Royal Farms and Dollar General are both 0.6 miles away, with bp at 0.9 miles.

Is VA loan financing available for homes in this area?

Yes, VA loan financing is common and available for properties in Smithfield. A VA loan specialist can confirm eligibility and terms for this specific address.

Ready to tour 148 Ayrshire Loop? Contact Tom & Dariya Milan at LPT Realty to schedule a showing and learn more about this new Smithfield home.

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

How Far Is?

Driving distance by road and typical drive time via Google Maps, to the nearest location of each.

Also nearby

Distances are straight-line (as the crow flies) from this property, not driving miles. Places within ~1 mile, nearest first. Powered by Google Places.

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

Smithfield$420K – $570K3+ 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 (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

27.5 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

Smithfield VA homes for sale →

Military Commute

Drive times to nearest bases

JBLE Ft Eustis

Army

44min·30.8mi

NSA HR

Navy

55min·34.2mi

JBLE Langley

Air Force

43min·23.8mi

J7 Suffolk

Joint

31min·18.2mi

MARFORCOM

Marines

68min·33.6mi

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

Payment Calculator

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

$2,989/mo

Principal & interest

$2,568

Property tax

$277

Home insurance

$144

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

Comparables

Price context — similar nearby homes

$335,000 – $455,000

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.

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

$494,900

Price / Sq Ft

$251

Annual Taxes

$3,326

Monthly Tax

$277

HOA fee

$87 / mo

Tax Rate (effective)

0.67%

Sale Timeline (this listing)

EventDatePriceDetail
ListedSep 17, 2026$494,900—
Price reducedOct 28, 2026$494,900−$5,000
Currently listed—$494,900—

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.

Market tempo

41 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 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 7.3/10), Smithfield (VaHome School Score 6/10). 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

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

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

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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