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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
$402,000
$409 / sqft · est. $2,385/mo →
2beds
1.1baths
982sqft
2509days 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

About this home

The listing, in the seller's words

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

VaHome team overview

Our read on this home

At a glance

405 S Church Street puts you in the heart of historic downtown Smithfield, Virginia — a walkable, character-rich address where a 1950 two-bedroom home sits steps from parks, local restaurants, and the Pagan River waterfront that defines this town's identity.

Read the full overview ↓

Why this home stands out

What sets 405 S Church Street apart is its location inside the walkable core of one of Hampton Roads' most distinctive small towns. Windsor Park North is literally at your doorstep, Windsor Castle Park is a half-mile stroll, and two well-regarded restaurants are within a tenth of a mile. For 982 square feet, this 1950 home delivers an outsized sense of place that larger suburban properties rarely match.

ALL OTHERS AREA 64 and the Smithfield real estate market

Smithfield, Virginia is the kind of town people drive to on weekends — and 405 S Church Street is where you actually get to live. The city sits in Isle of Wight County along the Pagan River, and its downtown corridor is lined with 18th- and 19th-century brick buildings, independent shops, and a genuine small-town energy that feels earned rather than manufactured. South Church Street sits right in the middle of it all. You're within easy walking distance of the riverfront, local breweries, coffee shops, and green space. The broader Smithfield area has grown steadily as buyers from the Hampton Roads metro seek out its lower density and historic character, while still staying connected to the region's employment centers. The primary keyword for this address is Smithfield Virginia historic downtown home, and it fits naturally here because that is exactly what 405 S Church Street is. Isle of Wight County brings its own advantages: a quieter jurisdiction with a distinct identity separate from the larger Hampton Roads cities.

What's nearby

Daily life at 405 S Church Street is genuinely walkable. Smithfield and Smithfield Station are both within a tenth of a mile for dining, and Wharf Hill Brewing Company is just four blocks away. Coffee is covered by Cure Coffeehouse and The Nelms House LLC within half a mile. For groceries, The Main Gourmet and Hamtown Mercantile are each about a half-mile out, with Chili Hill Food Market close behind. Windsor Park North is right outside your door, Windsor Castle Park is a five-minute walk, and the Isle of Wight County Veterans Memorial is nearby as well. EnCore Pilates and Physical Therapy and the Luter Family YMCA round out the fitness options within a mile.

For different buyers

For military families relocating

Joint Base Langley-Eustis (Fort Eustis) is roughly 24 minutes from 405 S Church Street, and NSA Northwest Annex is about 29 minutes out — both reasonable commutes from a home with real character. A VA loan can make a property like this especially accessible for eligible service members and veterans looking to own in a tight-knit historic community rather than a standard subdivision.

For buyers drawn to character

If you've been searching for a home with genuine roots — not a new build dressed up to look old — 405 S Church Street delivers. Built in 1950 and set in the middle of Smithfield's historic downtown, this address carries the texture of a town that has been here for centuries. The walkability, the architecture, the river nearby: it's the kind of place that rewards people who care about where they live.

More buyer questions

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

The drive from 405 S Church Street to Joint Base Langley-Eustis (Fort Eustis) is approximately 24 minutes under normal traffic conditions. NSA Northwest Annex is about 29 minutes away by car.

What is the walkability like at 405 S Church Street?

Walkability here is genuinely strong for a small Virginia town — restaurants, coffee shops, parks, and grocery options are all within half a mile, and Windsor Park North is essentially at the front door.

Is 405 S Church Street in a flood zone?

Smithfield's proximity to the Pagan River means flood zone status is worth reviewing carefully — check the FloodRisk tile on this page for the current FEMA designation specific to this parcel.

What is the lot and property type at 405 S Church Street?

405 S Church Street is a residential single-family property built in 1950, offering 982 square feet with 2 bedrooms and 1.1 bathrooms in the heart of downtown Smithfield, Isle of Wight County, Virginia 23430.

Where is Windsor Castle Park relative to 405 S Church Street?

Windsor Castle Park is approximately half a mile from 405 S Church Street — an easy walk through the historic downtown streetscape along the Pagan River.

Want to know more about 405 S Church Street or the Smithfield market? Tom and Dariya Milan at LPT Realty are ready to walk you through every detail.

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

$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

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

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

139% of $289,400

City assessment record · taxes $2,188/yr

Land share of assessed value

66% — $190,000

Improvements $99,400 · 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 – $481,000

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.

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
1619 Colonial AVE · 1.4 mi · 1,032 sqft$315,000 sold 2026-06

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

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 405 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 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

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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