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PortsmouthGREENFIELD FARMS3528 Carter Rd✓ Source: REIN MLS #10638742 · record updated Jun 22, 2026 · synced every 2 min · your inquiry is never resold
3528 Carter RD, PORTSMOUTH VA 23703 - Main photo
3528 Carter RD, PORTSMOUTH VA 23703 - Photo 2
3528 Carter RD, PORTSMOUTH VA 23703 - Photo 3
3528 Carter RD, PORTSMOUTH VA 23703 - Photo 4
3528 Carter RD, PORTSMOUTH VA 23703 - Photo 5
$375,000
$200 / sqft · est. $2,403/mo →
3beds
2baths
1,873sqft
11days on market

3528 Carter Rd, Portsmouth, VA 23703

Under ContractResidential · built 1968 · GREENFIELD FARMS

Chapter · The Water

Life on the water

The waterfront is the reason this home exists. Its water record, straight from the listing: Stream.

Frontage

Waterfront ✓ VERIFIED

Source: REIN MLS listing record · waterfront features as listed

About this home

The listing, in the seller's words

Welcome to 3528 Carter Rd, a stunning Portsmouth gem that radiates true pride of ownership in every single detail! Meticulously maintained and completely move-in ready, this beautiful residence seamlessly blends comfort, charm, and functionality. Step inside to discover a spacious layout featuring 3 bedrooms and 2 full baths, plus a versatile flex room. The heart of the home includes an elegant dining room anchored by a cozy fireplace, perfect for gathering. Relax in the bright, inviting sunroom, or step outside onto the deck to overlook your gorgeous, well-manicured yard—an outdoor oasis. The kitchen comes complete with all appliances conveying, and storage is never an issue with tons of space throughout. Bonus features include a fantastic detached workshop, ideal for hobbies or DIY projects. From the pristine landscaping to the spotless interior, this home is a rare find. Schedule your tour today!

Listing courtesy of Tracey Caddy · Southside Real Estate · REIN MLS #10638742

VaHome team overview

Our read on this home

At a glance

3528 Carter Road is a 1,873-square-foot, three-bedroom, two-bath home built in 1968 in Portsmouth, Virginia. With grocery stores, restaurants, and a ball field practically at your door — and two military installations within ten minutes — daily life here is genuinely convenient.

Read the full overview ↓

Why this home stands out

What sets 3528 Carter Road apart is the rare trifecta of walkable errands, quick military base access, and a tight-knit residential feel. Churchland Little League Baseball Fields sit just a tenth of a mile away, three grocery options are within half a mile, and NSA Northwest Annex is a seven-minute drive. For a 1968-era home pushing nearly 1,900 square feet, the bones and the location both punch above their weight.

GREENFIELD FARMS and the Portsmouth real estate market

Carter Road sits in the Churchland corridor of Portsmouth — one of the city's most practical and livable pockets. The area has a classic mid-century suburban character: established tree lines, modest lot sizes, and neighbors who tend to stick around. Churchland isn't flashy, but it's functional in the best possible way. Errands get done fast, commutes to the naval installations are short, and there's a genuine sense of community that newer developments often struggle to replicate. Portsmouth itself is a city with deep maritime roots, a revitalized downtown waterfront, and a cost of living that makes homeownership accessible without sacrificing location. Sitting across the Elizabeth River from Norfolk and connected by bridge-tunnel to Virginia Beach and the broader Hampton Roads region, Portsmouth gives you regional reach without the regional price tag. The Churchland area in particular draws buyers who want suburban calm with urban proximity — and 3528 Carter Road delivers exactly that.

What's nearby

Groceries are almost embarrassingly close here. Food Lion is 0.3 miles out, ALDI is 0.5 miles, and Harris Teeter is just 0.6 miles away — three solid options before you've even left the neighborhood. When you want a quick bite, Harvey's Hot Dogs, Billy D's Seafood & Chicken, and Philly Breakfast Spot are all within 0.4 miles. Coffee is covered too: JoJack's Espresso Bar & Cafe is 0.4 miles away, with Starbucks at 0.6 miles and Dunkin' under a mile. For fitness, Planet Fitness, Full Potential Fitness and Wellness, and the Portsmouth YMCA are all within a mile. And Churchland Little League Baseball Fields are literally 0.1 miles from your front door.

For different buyers

For military families relocating

NSA Northwest Annex is seven minutes away, and Naval Medical Center Portsmouth is nine — making 3528 Carter Road a genuinely smart base-access address. The home's three bedrooms give a family room to breathe, and the Churchland location keeps daily logistics simple whether you're on a rotating schedule or managing a deployment cycle.

For families upgrading

Nearly 1,900 square feet across three bedrooms and two baths gives a growing family real room to spread out. Add Churchland Little League Baseball Fields a tenth of a mile away, three grocery stores within half a mile, and a Portsmouth address that keeps regional commutes manageable — and this home starts to make a lot of sense for the next chapter.

More buyer questions

How far is 3528 Carter Road from NSA Northwest Annex?

NSA Northwest Annex is approximately seven minutes by car from 3528 Carter Road, making it one of the closer residential options to that installation in Portsmouth.

How far is 3528 Carter Road from Naval Medical Center Portsmouth?

Naval Medical Center Portsmouth is about nine minutes away by car — a short and straightforward commute along well-traveled Portsmouth roads.

What grocery stores are near 3528 Carter Road?

Three grocery stores are within 0.6 miles: Food Lion at 0.3 miles, ALDI at 0.5 miles, and Harris Teeter at 0.6 miles — an unusually strong lineup for a residential street.

Is 3528 Carter Road in a flood zone?

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

Does the Churchland area of Portsmouth have an HOA?

HOA status varies by specific subdivision within Churchland — check the property details section of this page for whether 3528 Carter Road falls under an HOA.

Tom and Dariya Milan at LPT Realty know Portsmouth's Churchland corridor well. Reach out to get your questions answered and take a closer look at 3528 Carter Road.

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

Schools

Info provided by GreatSchools

Facts & features

The record, sourced

Type

Residential

Year built

1968

Price / sqft

$200

HOA

None

Taxes

$4,173/yr

County

Portsmouth VA

Waterfront

Yes

MLS #

10638742

Interior

Bedrooms
3
Full baths
2
Approx. sqft
1,873
Stories
1
Flooring
Ceramic, Wood
Ensuite bedrooms
1
First-floor bed & full bath
Yes
Total rooms
7
Other rooms
1st Floor BR, 1st Floor Primary BR, Attic, Converted Gar, Foyer, PBR with Bath, Porch, Rec Room, Spare Room, Sun Room
Appliances
Dishwasher, Dryer, Dryer Hookup, Microwave, Gas Range, Refrigerator, Washer, Washer Hookup
Equipment
Cable Hookup, Ceiling Fan

Construction & exterior

Style
Ranch
Subtype
Detached
Foundation
Crawl
Roof
Asphalt Shingle
Exterior
Brick
Pool
No Pool
Fencing
Back Fenced
Waterfront
Stream

Utilities & systems

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

Lot, parking & ownership

Subdivision
GREENFIELD FARMS
Zoning
GR
Ownership
Fee Simple
Garage
No
Parking
2 Space, Driveway Spc, Street
Possession
CLOSING
Disclosures
Disclosure Statement

See more Portsmouth waterfront homes.

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

Flood & environment

FEMA flood zone X · outside the high-risk area · FIRM 515529

Flood Risk

Looking up FEMA flood zone…

Hurricane Evacuation Zone

Evacuation Zone C

Source: Virginia Dept. of Emergency Management — Know Your Zone

Explore this neighborhood

Churchland

Churchland is an established residential neighborhood in Portsmouth, Virginia, known for its tree-lined streets and collection of well-maintained homes spanning multiple decades.

$312K

Median sale · 12 mo

$205

Sold $/sq ft

17d

Days on market

5

For sale now

$66K

HH income

46%

Owner-occupied

REIN MLS closed sales, trailing 12 mo · U.S. Census ACS 2024 5-year

Explore Churchland
Map of Churchland with neighborhood boundaryNeighborhood

homes for sale in Portsmouth

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

$2,403/mo

Principal & interest

$1,946

Property tax

$348

Home insurance

$109

PMI

None

HOA

None

Estimate only. 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

Asking vs. assessment

111% of $336,500

City assessment record · taxes $4,173/yr

Land share of assessed value

30% — $100,800

Improvements $235,700 · 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

$226,000$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.

3229 Dogwood DR · 0.1 mi · 1,610 sqft$226,000 sold 2026-04
4820 Manor AVE · 0.5 mi · 1,728 sqft$345,000 sold 2026-07
3604 Goshawk CT · 1.2 mi · 1,879 sqft$400,000 sold 2026-05

Sale & Tax History

List Price

$375,000

Price / Sq Ft

$200

Annual Taxes

$4,173

Monthly Tax

$348

HOA

None

Tax Rate (effective)

1.11%

Sale Timeline (this listing)

EventDatePriceDetail
ListedJun 11, 2026$375,000
Currently listed$375,000

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

11% above assessment

Total Assessed

$336,500

Land

$100,800

Improvement

$235,700

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:

Portsmouth Real Estate Assessor

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 3528 Carter Rd in a good school zone?+
The assigned zones on the listing record are Churchland Elementary (GreatSchools 5/10), Churchland Middle (GreatSchools 5/10), Churchland (GreatSchools 5/10). School attendance zones can change — always confirm enrollment with the local school division.
Is 3528 Carter Rd 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 3528 Carter Rd?+
Yes — Planet Fitness is about 0.6 miles away, per the cached nearby-places record for this address.
Are there parks near 3528 Carter Rd?+
Churchland Little League Baseball Fields is about 0.1 miles away.
Where is the nearest grocery store to 3528 Carter Rd?+
Food Lion is about 0.3 miles away. The closest dining on record is Harvey's Hot Dogs (0.4 mi).
Is 3528 Carter Rd a waterfront property?+
Yes. The listing record shows: Stream.
Does 3528 Carter Rd have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 3528 Carter Rd built?+
It was built in 1968, 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 Tracey Caddy · Southside Real Estate · REIN MLS #10638742

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.

3528 Carter Rd, Portsmouth — photo

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

Call or text (757) 777-7577

3528 Carter Rd, Portsmouth, Virginia 23703 · MLS #10638742 · 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.