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SmithfieldALL OTHERS AREA 64220 Clay St✓ Source: REIN MLS #10633176 · record updated Jun 22, 2026 · synced every 2 min · your inquiry is never resold
220 Clay ST, SMITHFIELD VA 23430 - Main photo
220 Clay ST, SMITHFIELD VA 23430 - Photo 2
$419,000
$298 / sqft · est. $2,312/mo →
3beds
2.1baths
1,405sqft
48days on market

220 Clay St, Smithfield, VA 23430

Off MarketResidential · built 2026 · ALL OTHERS AREA 64

About this home

The listing, in the seller's words

Brand-new construction in the heart of historic downtown Smithfield. This thoughtfully designed home offers 3 bedrooms, 2.5 baths, 9' ceilings throughout, and a soaring 10' ceiling in the primary suite. The open, modern layout features granite countertops and quality finishes throughout. Enjoy outdoor living on the huge covered back porch. Just steps from downtown Smithfield, the YMCA, library, and local parks—this home delivers small-town charm with the peace of mind of new construction. A rare opportunity to own new in one of Smithfield's most desirable locations. Buyer may have the opportunity to personalize finishes, including colors, flooring, and cabinetry if under contract early enough in the build process.

Listing courtesy of Phillip Hines · Aweigh Real Estate · REIN MLS #10633176

VaHome team overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · LPT Realty

At a glance

220 Clay Street is a brand-new 2026-built townhome-style residence in the heart of historic Smithfield, Virginia — three bedrooms, two and a half baths, and 1,405 square feet of fresh construction just steps from the town's most walkable block.

Read the full overview ↓

Why this home stands out

What sets 220 Clay Street apart is its rare combination of new construction quality and a walkable downtown address in one of Hampton Roads' most charming small towns. Most new builds land in sprawling suburban subdivisions far from anything interesting. Here, you're a two-minute walk from independent coffee shops, Southern restaurants, a YMCA, and a riverfront park — all while getting the clean slate of a 2026 build.

ALL OTHERS AREA 64 and the Smithfield real estate market

Smithfield, Virginia carries a personality you don't find in most Hampton Roads zip codes. Known for its well-preserved colonial streetscapes, locally owned shops, and the kind of downtown where people actually walk around, this Isle of Wight County town punches well above its size. The Smithfield Historic District runs right through the neighborhood, giving Clay Street a sense of place that newer suburbs simply can't manufacture. You're in what the local market calls the All Others Area 64 — a catch-all designation for Smithfield's older in-town grid, where the blocks are tight, the trees are mature, and the sidewalks actually connect somewhere worth going. The Pagan River is close enough that you'll catch glimpses of it from Riverview Park, just a tenth of a mile away. Smithfield sits in Isle of Wight County, which keeps property taxes competitive while still delivering easy access to the broader Hampton Roads metro via Route 10 and the James River Bridge.

What's nearby

Daily life at 220 Clay Street is genuinely walkable — a rare thing in this region. Chili Hill Food Market, Hamtown Mercantile, and The Main Gourmet all sit within two blocks for quick grocery runs. Smithfield Gourmet Cafe and Bakery, Smithfield Ice Cream Parlor, and Taste of Smithfield Restaurant cover breakfast through dessert without moving your car. For coffee, The Nelms House LLC and Cure Coffeehouse are both 0.2 miles out. The Luter Family YMCA and EnCore Pilates and Physical Therapy are equally close for fitness. Riverview Park and the Isle of Wight County Veterans Memorial are both within a short stroll.

For different buyers

For military families relocating

Joint Base Langley-Eustis (Fort Eustis) is about 24 minutes from Clay Street, and NSA Northwest Annex runs roughly 30 minutes out — both well within a comfortable commute window. New construction means no deferred maintenance surprises during a PCS move, and eligible buyers can pair this address with a VA loan for a straightforward path to ownership in a town the whole family will actually enjoy.

For first-time buyers

If you've been waiting for a home that doesn't need immediate work, 220 Clay Street delivers — everything is brand new as of 2026. The downtown Smithfield location means you're buying into a real community with walkable amenities from day one, not a distant subdivision where you need a car for every errand. Eligible buyers can explore a VA loan to make the numbers work without a large down payment.

More buyer questions

How far is 220 Clay Street from Joint Base Langley-Eustis?

The drive from 220 Clay Street to Fort Eustis runs about 24 minutes under normal traffic conditions, making it a manageable daily commute for service members stationed there.

What year was 220 Clay Street built?

220 Clay Street was built in 2026, making it brand-new construction with no prior ownership history.

Is 220 Clay Street in a walkable area?

Yes — the address sits within two blocks of multiple restaurants, coffee shops, grocery options, a YMCA, and Riverview Park, making it one of the more walkable addresses in the Smithfield market.

What county is 220 Clay Street in?

220 Clay Street falls within Isle of Wight County, Virginia, which governs property taxes, permits, and local services for this address.

Is 220 Clay Street in a flood zone?

Flood zone designation for 220 Clay Street is detailed in the FloodRisk tile on this page — check that section for the current FEMA map classification and what it means for insurance requirements.

Want to walk through 220 Clay Street or talk through the numbers? Reach out to Tom and Dariya Milan at LPT Realty — they know Smithfield well and are ready to help.

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

2026

Price / sqft

$298

HOA

None

Taxes

$183/yr

County

Isle of Wight County VA

MLS #

10633176

Interior

Bedrooms
3
Full baths
2
Half baths
1
Approx. sqft
1,405
Stories
2
Flooring
Carpet, Laminate/LVP
Total rooms
6
Appliances
Dishwasher, Disposal, Dryer Hookup, Microwave, Elec Range, Refrigerator, Washer Hookup
Equipment
Ceiling Fan

Construction & exterior

Style
Contemp
Subtype
Detached
Foundation
Slab
Roof
Asphalt Shingle
Exterior
Fiber Cement
Pool
No Pool

Utilities & systems

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

Lot, parking & ownership

Subdivision
ALL OTHERS AREA 64
Zoning
TOWN
Ownership
Fee Simple
Garage
No
Parking
2 Space, Driveway Spc
Possession
SETTLE
Disclosures
Disclosure Statement, Historical District, Occupancy Permit, Owner Agent

Sources: REIN MLS record · city assessor · 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

$2,312/mo

Principal & interest

$2,174

Property tax

$15

Home insurance

$122

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

Why the land carries the value

Asking vs. assessment

1676% of $25,000

City assessment record · taxes $183/yr

Land share of assessed value

100% — $25,000

Improvements $0 · assessor record ✓

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

$131,000$370,000

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.

212 Middle Street · 0.7 mi · 1,364 sqft$131,000 sold 2026-05
812 S Church ST · 1.2 mi · 1,412 sqft$315,000 sold 2026-06
208 Edgewood Drive · 1.2 mi · 1,392 sqft$370,000 sold 2026-06

Sale & Tax History

List Price

$419,000

Price / Sq Ft

$298

Annual Taxes

$183

Monthly Tax

$15

HOA

None

Tax Rate (effective)

0.04%

Sale Timeline (this listing)

EventDatePriceDetail
ListedMay 5, 2026$419,000
Currently listed$419,000

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

1576% above assessment

Total Assessed

$25,000

Land

$25,000

Improvement

N/A

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 220 Clay St 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 220 Clay 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.
Does 220 Clay St have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 220 Clay St built?+
It was built in 2026, 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 Phillip Hines · Aweigh Real Estate · REIN MLS #10633176

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.

220 Clay St, Smithfield — photo

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

Call or text (757) 777-7577

220 Clay St, Smithfield, Virginia 23430 · MLS #10633176 · 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.