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SmithfieldALL OTHERS AREA 64403 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

403 S Church Street puts you in the heart of historic Smithfield — a walkable, small-town address on a 0.16-acre lot, with restaurants and parks just steps away. This 1950-built, 3-bedroom home offers genuine character and an unbeatable location in Isle of Wight County.

Read the full overview ↓

Why this home stands out

What sets 403 S Church Street apart is its rare combination of walkable downtown access and a quiet residential lot in one of Hampton Roads' most distinctive small towns. You're a two-minute walk from waterfront dining at Smithfield Station and half a mile from Windsor Castle Park — all from a 1950-era home that carries real neighborhood roots, not subdivision sameness.

ALL OTHERS AREA 64 and the Smithfield real estate market

Smithfield, Virginia is the kind of town that earns genuine affection. Known for its well-preserved historic district, brick sidewalks, and a Main Street that actually functions as a community hub, it sits along the Pagan River in Isle of Wight County — far enough from the urban sprawl to feel like a retreat, close enough to Hampton Roads to stay connected. S Church Street runs through the older residential core, where mid-century homes sit on tree-lined lots within easy walking distance of local shops, eateries, and the riverfront. Neighbors here tend to stay for years, and the town draws a steady mix of longtime locals, young families, and buyers relocating from larger metro areas who want a slower pace without sacrificing amenities. Smithfield homes for sale in this corridor are genuinely hard to come by — the inventory is tight because people don't leave easily.

What's nearby

Daily life is easy here. Smithfield Station is just 0.2 miles away — a waterfront restaurant that doubles as a local landmark — and The Oak & Ivy Taphouse is a short 0.3-mile walk for craft beer and good company. Windsor Park North is 0.3 miles out, and Windsor Castle Park, a beloved 800-acre green space along the Pagan River, is only half a mile away. For groceries, The Main Gourmet and Hamtown Mercantile are both 0.7 miles out, with Chili Hill Food Market a little further at 0.8 miles. Coffee options include Cafe Place at 0.6 miles and Cure Coffeehouse at 0.7 miles. EnCore Pilates and Physical Therapy rounds out the walkable radius at 0.8 miles.

For different buyers

For military families relocating

Joint Base Langley-Eustis (Fort Eustis) is roughly 24 minutes from 403 S Church Street, and NSA Northwest Annex is about 29 minutes out. That commute window opens up a genuinely livable small-town lifestyle without adding significant drive time. A VA loan can make this 1950-built home an accessible path to ownership for eligible service members and veterans looking outside the typical base-adjacent zip codes.

For first-time buyers

For buyers comparing homes for sale zoned for Smithfield High School and homes for sale zoned for Hardy Elementary School, 403 S Church Street lands squarely in that attendance zone — and it comes with a walkable, established neighborhood that's hard to replicate at this price point in Isle of Wight County. The compact 982-square-foot footprint keeps upkeep manageable while the location delivers outsized lifestyle value.

More buyer questions

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

The drive to Fort Eustis typically runs about 24 minutes under normal traffic conditions, making this address a workable option for service members stationed there who want small-town living over a base-adjacent neighborhood.

What is Windsor Castle Park and how close is it?

Windsor Castle Park is a large public green space along the Pagan River offering trails, open fields, and river access — it's about 0.5 miles from 403 S Church Street, an easy walk or quick bike ride.

Is 403 S Church Street in a flood zone?

Flood zone information for this address is covered in the FloodRisk tile on this page, which pulls current FEMA map data for the parcel.

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

The property sits on a 0.16-acre lot and is classified as a single-family residential home, built in 1950, with 982 square feet of living space across 3 bedrooms and 1.1 bathrooms.

Does Smithfield have walkable amenities near S Church Street?

Yes — the block is genuinely walkable by small-town standards, with waterfront dining, a taphouse, a park, and multiple coffee shops all within a mile, and Smithfield's historic downtown core just steps away.

Tom and Dariya Milan at LPT Realty know this market well. Reach out to get the full picture on 403 S Church Street and what it takes to make it yours.

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

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/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; 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
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

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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.