Skip to main content
VaHome.com
Smithfield › ALL OTHERS AREA 64 › 403 S Church Street✓ Source: REIN MLS #10266936 · record updated Mar 24, 2026 · synced every 2 min · your inquiry is never resold
403 S Church Street, Smithfield VA 23430 - Main photo
403 S Church Street, Smithfield VA 23430 - Photo 2
403 S Church Street, Smithfield VA 23430 - Photo 3
403 S Church Street, Smithfield VA 23430 - Photo 4
403 S Church Street, Smithfield VA 23430 - Photo 5
$481,000
$490 / sqft · est. $2,835/mo →
3beds
1.1baths
982sqft
2509days on market

403 S Church Street, Smithfield, VA 23430

ActiveResidential · built 1950 · ALL OTHERS AREA 64

Chapter · The Water

Life on the water

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

Frontage

River ✓ VERIFIED

Source: REIN MLS listing record · waterfront features as listed

About this home

The listing, in the seller's words

DEEP WATER!!! Beautiful view of the Pagan River located next to Smithfield Station! The value is in the land! Property is being sold as-is/where is.

Listing courtesy of Greg Garrett · Garrett Realty Partners · REIN MLS #10266936

VaHome team overview

Our read on this home

At a glance

403 S Church Street puts you in the heart of historic Smithfield, Virginia — a walkable, small-town address on a 0.16-acre lot with 982 square feet of mid-century character, three bedrooms, and a location that's hard to beat for everyday convenience.

Read the full overview ↓

Why this home stands out

What sets 403 S Church Street apart is its genuine walkability in a town where most addresses require a drive for everything. Windsor Park North is right outside your door, two restaurants are within a two-minute walk, and a craft brewery is three blocks away. For a 1950-built, 982-square-foot home, it punches well above its footprint in terms of lifestyle access — all without sacrificing the quiet, tree-lined feel of a real neighborhood.

ALL OTHERS AREA 64 and the Smithfield real estate market

Smithfield, Virginia is one of the most distinctive small towns in Hampton Roads — known for its red-brick storefronts, the Pagan River waterfront, and a genuine sense of place that newer planned communities simply can't replicate. The S Church Street corridor sits right in the middle of it all, placing you within easy walking distance of local restaurants, coffee shops, and green space that most Hampton Roads addresses can't match. Isle of Wight County governs this area, which means a slightly quieter pace than the denser cities across the James River, yet you're still within a reasonable commute of the broader region. The 403 S Church Street Smithfield VA address lands you in what locals call the historic core — a stretch where 1940s and 1950s homes line shaded streets and neighbors actually know each other. It's the kind of block where front porches still get used.

What's nearby

Daily life is genuinely easy from 403 S Church Street. Windsor Park North is at your doorstep, and Windsor Castle Park — a beloved riverfront green space — is just half a mile away. For food and drink, Smithfield Station and the Smithfield restaurant are both within a one-minute walk, and Wharf Hill Brewing Company is three blocks down the road. Cure Coffeehouse and The Nelms House LLC both sit within a short stroll for your morning routine. Grocery runs are covered by The Main Gourmet, Hamtown Mercantile, and Chili Hill Food Market, all within half a mile. The Luter Family YMCA and EnCore Pilates and Physical Therapy round out the fitness options nearby.

For different buyers

For military families relocating

Joint Base Langley-Eustis (Fort Eustis) is about 24 minutes from 403 S Church Street, and NSA Northwest Annex is roughly 29 minutes out — both manageable commutes from a home that gives military families real small-town roots. A VA loan can make ownership here straightforward, and Isle of Wight County's lower density means you're not trading quality of life for proximity to base.

For buyers drawn to character

If you're drawn to homes with a story, 403 S Church Street delivers. Built in 1950, it sits on a tree-lined block in Smithfield's historic core — a town that has resisted the strip-mall sprawl that consumed much of coastal Virginia. The bones are mid-century, the neighborhood is walkable, and the Isle of Wight County Veterans Memorial is just four blocks away. This is a place with genuine texture.

More buyer questions

How far is 403 S Church Street from Joint Base Langley-Eustis?

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

Is 403 S Church Street in a walkable area of Smithfield?

Yes — it's one of the more walkable addresses in town, with restaurants, coffee shops, parks, and grocery options all within half a mile on foot.

What is the lot size and property type at 403 S Church Street?

The property is a residential single-family home sitting on a 0.16-acre lot, built in 1950 with 982 square feet of living space across three bedrooms and one and a half baths.

Does 403 S Church Street have an HOA?

This property is not part of a homeowners association, so there are no HOA rules or dues to factor into your plans.

What flood zone is 403 S Church Street in?

Flood zone information for this address is displayed in the FloodRisk tile on this page — we recommend reviewing that section and speaking with your insurance agent for current details.

Want to walk the block or talk through what ownership at 403 S Church Street could look like for you? Tom and Dariya Milan at LPT Realty are ready to help — reach out anytime.

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

1950

Price / sqft

$490

HOA

None

Taxes

$2,389/yr

County

Isle of Wight County VA

Waterfront

Yes

MLS #

10266936

Interior

Bedrooms
3
Full baths
1
Half baths
1
Approx. sqft
982
Stories
2
Flooring
Other
Total rooms
8

Construction & exterior

Style
Traditional
Subtype
Detached
Foundation
Crawl
Roof
Asphalt Shingle
Exterior
Vinyl
Pool
No Pool
Waterfront
River

Utilities & systems

Heating
Forced Hot Air, Nat Gas, Space
Cooling
Window/Wall
Water heater
Electric
Water
City/County
Sewer
City/County

Lot, parking & ownership

Lot size
0.1600
Subdivision
ALL OTHERS AREA 64
Zoning
TOWN
Ownership
Fee Simple
Garage
No
Parking
Driveway Spc
Possession
CLOSING
Disclosures
Disclosure Statement

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

Flood & environment

FEMA flood zone AE · base flood elevation 10 ft · Special Flood Hazard Area (flood insurance typically required) · FIRM 51093C

Flood Risk

Looking up FEMA flood zone…

Zone AE typically means lenders require flood insurance — factor it into the monthly numbers below.

Hurricane Evacuation Zone

Evacuation Zone A

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

$2,835/mo

Principal & interest

$2,496

Property tax

$199

Home insurance

$140

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

Why the land carries the value

Asking vs. assessment

143% of $335,500

City assessment record · taxes $2,389/yr

Land share of assessed value

63% — $210,000

Improvements $125,500 · 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

$266,900 – $402,000

The 4 most similar homes nearby (same city, within ~20% of this size, ~2.5 mi; 3 sold). Context for judging the asking price — not an appraisal or an estimate of this home's value.

405 S Church Street · 0 mi · 982 sqft$402,000 active
914 Wilson RD · 0.7 mi · 1,040 sqft$349,800 sold 2026-04
1619 Colonial AVE · 1.4 mi · 1,032 sqft$315,000 sold 2026-06

Sale & Tax History

List Price

$481,000

Price / Sq Ft

$490

Annual Taxes

$2,389

Monthly Tax

$199

HOA

None

Tax Rate (effective)

0.50%

Sale Timeline (this listing)

EventDatePriceDetail
ListedJun 26, 2019$481,000—
Currently listed—$481,000—

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

43% above assessment

Total Assessed

$335,500

Land

$210,000

Improvement

$125,500

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

2509 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

Real questions, answered from the record

Is 403 S Church Street 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 403 S Church Street in a flood zone?+
FEMA maps this parcel in Zone AE with a base flood elevation of 10 ft — a high-risk flood band where lenders typically require flood insurance. See the flood section on this page for the full details and sources, and verify with an elevation certificate.
Is there a gym near 403 S Church Street?+
Yes — EnCore Pilates and Physical Therapy is about 0.6 miles away, per the cached nearby-places record for this address.
Are there parks near 403 S Church Street?+
Windsor Park North is about 0 miles away.
Where is the nearest grocery store to 403 S Church Street?+
The Main Gourmet is about 0.5 miles away. The closest dining on record is Smithfield (0.1 mi).
Is 403 S Church Street a waterfront property?+
Yes. The listing record shows: River.
Does 403 S Church Street have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 403 S Church Street built?+
It was built in 1950, 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 Greg Garrett · Garrett Realty Partners · REIN MLS #10266936

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.

403 S Church Street, Smithfield — photo

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

Call or text (757) 777-7577

403 S Church Street, Smithfield, Virginia 23430 · MLS #10266936 · 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.

✆