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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
3beds
1.1baths
982sqft
2596days 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

Facts & features

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

About this home

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

Tom & Dariya's overview

Our read on this home

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

At a glance

Meet 403 S Church Street in Smithfield—a three-bedroom, one-bath home built in 1950 on a compact lot near downtown. You're walking distance to restaurants, coffee shops, and parks. About 24 minutes to Joint Base Langley-Eustis.

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 Hardy Elementary School. Browse every listing among homes for sale in Smithfield — updated from the REIN MLS every few minutes.

Read the full overview ↓

Why this home stands out

This 982-square-foot home sits on a quiet street in a neighborhood where you can reach downtown Smithfield on foot. The 1950s-era structure offers character and a manageable footprint. You'll find grocery stores, dining, and recreation all within a short walk or quick drive. It's the kind of location that anchors homes for sale in Smithfield where convenience and walkability matter.

ALL OTHERS AREA 64 and the Smithfield real estate market

Smithfield is a historic riverside town in Isle of Wight County with deep colonial roots and a vibrant downtown core. The streets here blend period charm with everyday practicality—local shops, restaurants, and parks sit within easy reach of residential blocks. You're never far from the waterfront or the community events that anchor the town's character. Daily life is easy when groceries, coffee, and dining are a short walk away. Smithfield itself is a small, tight-knit place where neighbors know each other and the pace feels unhurried. Getting around is straightforward: major routes connect you to Hampton, Newport News, and beyond. If you're comparing homes for sale in Smithfield, note that this address puts you at the heart of walkable town living.

What's nearby

Smithfield Station and Smithfield restaurant sit just two blocks away—perfect for a quick meal or evening out. The Oak & Ivy Taphouse is a three-minute walk. Coffee lovers will find Cure Coffeehouse and The Nelms House LLC within walking distance. Grocery shopping is easy: The Main Gourmet, Hamtown Mercantile, and Chili Hill Food Market are all under a mile away. Windsor Park North is three blocks away, with Windsor Castle Park and Bill Laine Park nearby for outdoor time. EnCore Pilates and Physical Therapy is also within reach.

For different buyers

Base commute and VA loan notes

About 24 minutes to Joint Base Langley-Eustis (Fort Eustis) and 32 minutes to Langley AFB. VA loan financing is common in this area, and the home's size and price point make it accessible for buyers using military benefits. A manageable commute and straightforward move-in readiness appeal to buyers relocating to the region.

Room to grow

Three bedrooms and one full bath offer room to spread out on a compact lot in a walkable downtown setting. The 1950s structure has character and sits on just 0.16 acres, keeping maintenance manageable. A fenced yard or outdoor space adds flexibility for everyday living and recreation near home.

More buyer questions

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

About 24 minutes to Fort Eustis and roughly 32 minutes to Langley AFB, depending on traffic and your exact destination on base.

What schools are zoned for this address?

This property is zoned for homes for sale zoned for Smithfield High School and homes for sale zoned for Hardy Elementary School. Contact Isle of Wight County Schools for current enrollment and program details.

Can I walk to restaurants and shops from this address?

Yes. Smithfield Station, coffee shops, and grocery stores are all within a five-minute walk or a short drive. The downtown location is one of the home's biggest perks.

Does this area have a strong community feel?

Smithfield is a historic, tight-knit town where residents and visitors enjoy waterfront parks, local restaurants, and frequent community events. The walkable streets and active downtown make it easy to connect with neighbors.

Is there parking available near this home?

The home sits on a 0.16-acre lot in a walkable downtown neighborhood where on-street and driveway parking are typical. Check the listing details for specific garage or carport information.

Ready to explore Smithfield homes for sale? Reach out to Tom & Dariya Milan at LPT Realty to schedule a tour of 403 S Church Street today.

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

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

Smithfield$405K – $555K3+ 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 AE · base flood elevation 10 ft · Special Flood Hazard Area (flood insurance typically required) · FIRM 51093C

Flood Risk (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 51093C

High Risk

FEMA flood zone

AE (1% annual chance)

Base flood elevation

10 ft above sea level

Property elevation

4.3 ft above sea level

5.7 ft below BFE

USGS 3DEP digital elevation model

Special Flood Hazard Area — 1% annual chance of flooding. Federal flood insurance is required on most mortgages.

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.

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

homes for sale in Smithfield →

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/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

143% of $335,500

City assessment record · taxes $2,389/yr

Land share of assessed value

63% — $210,000

Improvements $125,500 · assessor record ✓

Price context — similar nearby homes

$1,750 – $402,000

The 6 most similar homes nearby (same city, within ~20% of this size, ~2.5 mi; 4 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
1014 S Church ST · 0.9 mi · 1,050 sqft$265,000 sold 2026-09

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

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

2596 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 403 S Church Street in a good school zone?+
The assigned zones on the listing record are Hardy Elementary (VaHome School Score 5.2/10), 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 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

Brokered by 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.

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