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Smithfield › ALL OTHERS AREA 64 › 405 S Church Street✓ Source: REIN MLS #10266950 · record updated Mar 24, 2026 · synced every 2 min · your inquiry is never resold
405 S Church Street, Smithfield VA 23430 - Main photo
405 S Church Street, Smithfield VA 23430 - Photo 2
405 S Church Street, Smithfield VA 23430 - Photo 3
405 S Church Street, Smithfield VA 23430 - Photo 4
405 S Church Street, Smithfield VA 23430 - Photo 5
2beds
1.1baths
982sqft
2596days on market

405 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

$409

HOA

None

Taxes

$2,188/yr

County

Isle of Wight County VA

Waterfront

Yes

MLS #

10266950

Interior

Bedrooms
2
Full baths
1
Half baths
1
Approx. sqft
982
Stories
2
Flooring
Other
Total rooms
5
Other rooms
Porch

Construction & exterior

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

Utilities & systems

Heating
Space
Cooling
Window/Wall
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
Driveway Spc
Possession
CLOSING
Disclosures
Disclosure Statement

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

About this home

DEEP DEEP WATER!!! Beautiful waterfront views out to the Pagan River and conveniently located next to Smithfield Station! The value is in the land!! The possibilities are endless! Property is being sold as-is/where-is.

Listing courtesy of Greg Garrett · Garrett Realty Partners · REIN MLS #10266950

Tom & Dariya's overview

Our read on this home

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

At a glance

405 S Church Street is a 1950-built, 982-square-foot, two-bedroom home in the heart of historic Smithfield, Virginia — walkable to restaurants, parks, and local shops, with Joint Base Langley-Eustis about 24 minutes away. Small footprint, big location.

Keep searching in Smithfield

See homes for sale zoned for Smithfield High School and homes for sale zoned for Hardy Elementary School.

Read the full overview ↓

Why this home stands out

What sets 405 S Church Street apart is its address in the core of one of Hampton Roads' most distinctive small towns. You're within a half-mile of Windsor Castle Park, two waterfront restaurants, and a handful of locally owned shops — all on foot. For a sub-1,000-square-foot home, the lifestyle radius here punches well above its size.

ALL OTHERS AREA 64 and the Smithfield real estate market

Smithfield, Virginia carries a character that newer suburbs simply can't manufacture. The town sits along the Pagan River in Isle of Wight County and is best known for its well-preserved historic district, working waterfront, and the kind of main-street energy that draws people from across Hampton Roads for a weekend and convinces some to stay permanently. South Church Street runs through the heart of it — brick sidewalks, mature trees, and homes that have anchored the neighborhood for generations. The pace here is unhurried without feeling remote. You're close enough to Suffolk, Newport News, and Norfolk for commuting or errands, yet Smithfield has its own grocery options, dining scene, and green space that make daily life genuinely self-contained. Isle of Wight County's lower density and small-town governance give the area a stability that residents tend to appreciate deeply over time.

What's nearby

Daily life from S Church Street is remarkably walkable by small-town standards. Smithfield Station and The Oak & Ivy Taphouse are both within a third of a mile for dinner or a casual drink. Windsor Park North is a three-minute walk, and Windsor Castle Park — a beloved riverfront green space — is just half a mile out. Cure Coffeehouse and Cafe Place handle your morning coffee within a mile. For groceries, The Main Gourmet and Hamtown Mercantile are each 0.7 miles away, with Chili Hill Food Market just slightly farther. EnCore Pilates and Physical Therapy rounds out the wellness options at 0.8 miles.

For different buyers

For military families relocating

Joint Base Langley-Eustis is roughly 24 minutes from S Church Street, and NSA Northwest Annex is about 29 minutes — both manageable commutes from a town that offers real quality of life off-base. A VA loan can make a home like this especially accessible, and Smithfield's lower cost of living relative to Virginia Beach or Norfolk is worth factoring into your search.

For buyers drawn to character

If cookie-cutter subdivisions aren't your thing, Smithfield is the antidote. The 1950 construction at 405 S Church Street puts you squarely in a neighborhood with genuine history — walkable to a working waterfront, independent restaurants, and locally owned shops. Families comparing homes for sale zoned for Smithfield High School and homes for sale zoned for Hardy Elementary School will find this block offers something the newer developments don't: a real sense of place.

More buyer questions

How far is 405 S Church Street from Joint Base Langley-Eustis?

The drive from S Church Street to Fort Eustis is approximately 24 minutes under typical conditions, making it a realistic daily commute for service members stationed there.

What parks are near 405 S Church Street?

Windsor Park North is about 0.3 miles away, and Windsor Castle Park — a popular riverfront park along the Pagan River — is half a mile from the front door. Bill Laine is also within 0.5 miles.

Is 405 S Church Street in a flood zone?

Smithfield's proximity to the Pagan River means flood zone status is worth checking carefully — see the FloodRisk tile on this page for the specific FEMA designation for this address.

What is the neighborhood like around S Church Street in Smithfield?

S Church Street sits in Smithfield's historic core — a walkable, small-town environment with independent restaurants, local shops, and mature streetscapes. Isle of Wight County's lower density keeps the area quiet without sacrificing convenience.

Does 405 S Church Street have a garage?

The property details for this 982-square-foot, 1950-built home don't list a garage — contact Tom or Dariya Milan for the most current specifics on parking and exterior features.

Ready to walk S Church Street and see Smithfield for yourself? Tom and Dariya Milan know this market well — reach out and let's set up a tour.

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

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

Smithfield$340K – $465K2+ beds

By subscribing you agree to receive listing emails from Tom & Dariya Milan, Realtors, at most one a day. Unsubscribe anytime · Privacy PolicyBrokered by LPT Realty

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

$2,385/mo

Principal & interest

$2,086

Property tax

$182

Home insurance

$117

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

139% of $289,400

City assessment record · taxes $2,188/yr

Land share of assessed value

66% — $190,000

Improvements $99,400 · assessor record ✓

Price context — similar nearby homes

$1,750 – $481,000

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.

403 S Church Street · 0 mi · 982 sqft$481,000 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

$402,000

Price / Sq Ft

$409

Annual Taxes

$2,188

Monthly Tax

$182

HOA

None

Tax Rate (effective)

0.54%

Sale Timeline (this listing)

EventDatePriceDetail
ListedJun 26, 2019$402,000—
Currently listed—$402,000—

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

39% above assessment

Total Assessed

$289,400

Land

$190,000

Improvement

$99,400

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 405 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 405 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 405 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 405 S Church Street?+
Windsor Park North is about 0 miles away.
Where is the nearest grocery store to 405 S Church Street?+
The Main Gourmet is about 0.5 miles away. The closest dining on record is Smithfield (0.1 mi).
Is 405 S Church Street a waterfront property?+
Yes. The listing record shows: River.
Does 405 S Church Street have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 405 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 #10266950

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.

405 S Church Street, Smithfield — photo

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

Call or text (757) 777-7577

405 S Church Street, Smithfield, Virginia 23430 · MLS #10266950 · 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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