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Portsmouth › RIVER PARK › 645 Surry St✓ Source: REIN MLS #10639355 · record updated Sep 29, 2026 · synced every 2 min · your inquiry is never resold
645 Surry ST, PORTSMOUTH VA 23707 - Main photo
645 Surry ST, PORTSMOUTH VA 23707 - Photo 2
645 Surry ST, PORTSMOUTH VA 23707 - Photo 3
645 Surry ST, PORTSMOUTH VA 23707 - Photo 4
645 Surry ST, PORTSMOUTH VA 23707 - Photo 5
3beds
2baths
1,384sqft
108days on market

645 Surry St, Portsmouth, VA 23707

ActiveResidential · built 1942 · RIVER PARK

Facts & features

Type

Residential

Year built

1942

Price / sqft

$172

HOA

None

Taxes

$3,072/yr

County

Portsmouth VA

MLS #

10639355

Interior

Bedrooms
3
Full baths
2
Approx. sqft
1,384
Stories
2
Flooring
Ceramic, Vinyl
Ensuite bedrooms
1
First-floor bed & full bath
Yes
Total rooms
6
Other rooms
1st Floor BR, 1st Floor Primary BR, Attic, Porch, Utility Room
Appliances
Dishwasher, Dryer Hookup, Microwave, Gas Range, Refrigerator, Washer Hookup
Equipment
Ceiling Fan

Construction & exterior

Style
Cape Cod
Subtype
Detached
Foundation
Crawl
Roof
Asphalt Shingle
Exterior
Vinyl
Pool
No Pool
Fencing
Back Fenced

Utilities & systems

Heating
Forced Hot Air, Nat Gas
Cooling
Central Air
Water heater
Gas
Water
City/County
Sewer
City/County

Lot, parking & ownership

Lot size
0.2100
Subdivision
RIVER PARK
Zoning
UR
Ownership
Fee Simple
Garage
Yes
Parking
Garage Det 1 Car, Carport, Multi Car, Street
Possession
SETTLEMENT
Disclosures
Bank Repo, Exempt from Disclosure/Disclaimer, Spec Warranty Deed

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

About this home

Charming Cape Cod in the heart of Portsmouth! 645 Surry Street features classic character paired with modern touches, including granite countertops in the kitchen and a functional, light-filled layout. Enjoy the convenience of a detached garage and carport, plus a large backyard for entertaining, gardening, pets, or future expansion. Located near local shops, dining, and easy access to major roads, this home offers comfort, space, and value all in one. Make sure to ask about the 3D True Immersive Virtual Tour. Call for your private showing today!

Listing courtesy of Susan Jenkins · Better Homes & Gdns Ntv Am Grp · REIN MLS #10639355

Tom & Dariya's overview

Our read on this home

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

At a glance

This 1942 three-bedroom, two-bath home sits on a quiet Portsmouth block just minutes from Naval Medical Center Portsmouth. The 1,384-square-foot layout offers classic bones and a manageable lot. You're walking distance to parks, grocers, and local restaurants.

Keep searching in Portsmouth

See all Portsmouth homes for sale, including homes for sale in 23707, homes for sale zoned for Churchland High School, and homes for sale zoned for Waterview Elementary School. Browse every listing among homes for sale in Portsmouth — updated from the REIN MLS every few minutes. Nearby, look at Brighton homes for sale, Portsmouth waterfront homes for sale, Portsmouth condos and townhomes for sale, and new construction homes in Portsmouth.

Read the full overview ↓

Why this home stands out

Built in 1942, this home carries genuine character from an earlier era of Portsmouth construction. The three-bedroom, two-bath floor plan fits neatly on a 0.21-acre lot, making maintenance straightforward. You'll find yourself steps from Franklin Circle Park and a tight cluster of neighborhood shops and eateries. It's the kind of compact, established property that appeals to buyers seeking substance over sprawl.

RIVER PARK and the Portsmouth real estate market

Portsmouth's older residential blocks have a lived-in, walkable feel—tree-lined streets where neighbors know each other and errands happen on foot. This address sits in that fabric: close to Franklin Circle Park and Florida Park, surrounded by small grocers like Fast 5 and A & A Seafood Market, and casual dining spots like Twisted Pig Ale & Smokehouse. Portsmouth itself is a working waterfront city with deep naval and maritime roots. Naval Medical Center Portsmouth and USCG Base Portsmouth anchor the local economy and character. Getting around is easy—major routes connect you to the wider Hampton Roads region, and Naval Station Norfolk is about 15 minutes away. Anyone comparing homes for sale in Portsmouth will notice how the older neighborhoods blend affordability with genuine community. If you're exploring homes for sale in 23707, you're in a zone where established character and base proximity meet.

What's nearby

Daily life is convenient here. Franklin Circle Park sits just 0.1 miles away—perfect for a quick walk. Groceries are steps away: Fast 5 and A & A Seafood Market both sit within 0.3 miles. Twisted Pig Ale & Smokehouse and Cooper's Restaurant and Lounge are equally close for dining out. Coffee shops like 7-Eleven and Corner Cafe keep you fueled. Fitness options include DCo gym at 0.6 miles and Zenya Yoga Studio at 0.9 miles. You're never far from what you need.

For different buyers

Base commute and VA loan notes

Naval Medical Center Portsmouth is five minutes away by car—a major commute advantage for anyone stationed there or at USCG Base Portsmouth nearby. VA loan financing is common in this price range and neighborhood. The modest square footage and established layout mean minimal prep time before move-in.

For first-time buyers

This three-bedroom, two-bath home offers genuine square footage and a real yard on a manageable 0.21-acre lot. The 1942 construction means solid bones and a proven floor plan. You're buying into an established neighborhood where the bones are already there—no guessing about what works.

More buyer questions

How far is 645 Surry Street from Naval Medical Center Portsmouth?

About five minutes by car. USCG Base Portsmouth is six minutes away.

What parks are nearby?

Franklin Circle Park is just 0.1 miles away, and Florida Park is 0.2 miles. Both are walkable from the home.

Where can I find groceries?

Fast 5 Grocery & Deli and A & A Seafood Market are both within 0.3 miles. Bean Oriental Grocery is 0.4 miles away.

Are there restaurants and coffee shops nearby?

Yes. Twisted Pig Ale & Smokehouse is 0.2 miles away, and Cooper's Restaurant and Lounge is 0.3 miles. Coffee options include 7-Eleven and Corner Cafe within 0.6 miles.

What zones apply to this address?

This address is zoned for homes for sale zoned for Churchland High School and homes for sale zoned for Waterview Elementary School within the Portsmouth school system.

Ready to explore this Portsmouth home? Reach out to Tom & Dariya Milan at LPT Realty to schedule a tour and learn more.

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

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

Portsmouth$200K – $275K3+ 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 X · outside the high-risk area · FIRM 515529

Flood Risk (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 515529

Low / Moderate Risk

FEMA flood zone

X (low to moderate risk)

Base flood elevation

Not applicable in low-risk zones

Zone X is outside the Special Flood Hazard Area; FEMA doesn\u2019t define a BFE here.

Property elevation

11.3 ft above sea level

USGS 3DEP digital elevation model

Outside the high-risk Special Flood Hazard Area. Federal flood insurance is NOT required, though optional preferred-rate NFIP coverage is still worth considering in coastal Hampton Roads.

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.

Hurricane Evacuation Zone

Evacuation Zone A

Source: Virginia Dept. of Emergency Management — Know Your Zone

Explore this neighborhood

Brighton

Brighton is a neighborhood in Portsmouth, Virginia. It has tree-lined streets and a mix of home styles. They reflect the area's deep local roots.

$275K

Median sale · 12 mo

$171

Sold $/sq ft

22d

Days on market

19

For sale now

$46K

HH income

55.2%

Owner-occupied

REIN MLS closed sales, trailing 12 mo · U.S. Census ACS 2024 5-year

Explore Brighton →
Map of Brighton with neighborhood boundaryNeighborhood

Portsmouth houses for sale →

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

$1,560/mo

Principal & interest

$1,235

Property tax

$256

Home insurance

$69

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

Judge value on real ground

Asking vs. assessment

95% of $250,930

City assessment record · taxes $3,072/yr

Land share of assessed value

25% — $63,480

Improvements $187,450 · assessor record ✓

Price context — similar nearby homes

$210,000 – $270,000

The 6 most similar homes nearby (same city, within ~20% of this size, ~2.5 mi; 6 sold). Context for judging the asking price — not an appraisal or an estimate of this home's value.

2621 Greenwood DR · 2.7 mi · 1,380 sqft$249,000 sold 2026-04
3917 Deep Creek BLVD · 2.6 mi · 1,418 sqft$210,000 sold 2026-08
270 Foxglove DR · 2.5 mi · 1,294 sqft$255,000 sold 2026-06

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

Sale & Tax History

List Price

$238,000

Price / Sq Ft

$172

Annual Taxes

$3,072

Monthly Tax

$256

HOA

None

Tax Rate (effective)

1.29%

Sale Timeline (this listing)

EventDatePriceDetail
ListedJun 13, 2026$238,000—
Price reducedSep 29, 2026$238,000−$5,000
Currently listed—$238,000—

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

5% below assessment

Total Assessed

$250,930

Land

$63,480

Improvement

$187,450

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:

Portsmouth Real Estate Assessor

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

108 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 645 Surry St in a good school zone?+
The assigned zones on the listing record are Waterview Elementary (VaHome School Score 1.4/10), Churchland Middle (VaHome School Score 2.7/10), Churchland (VaHome School Score 5.9/10). School attendance zones can change — always confirm enrollment with the local school division.
Is 645 Surry St in a flood zone?+
FEMA maps this parcel in Zone X, outside the high-risk Special Flood Hazard Area. See the flood section on this page for details and sources.
Is there a gym near 645 Surry St?+
Yes — DCo is about 0.3 miles away, per the cached nearby-places record for this address.
Are there parks near 645 Surry St?+
Maryview Park is about 0.3 miles away.
Where is the nearest grocery store to 645 Surry St?+
Dollar General is about 0.5 miles away. The closest dining on record is Mockingbird Pasta Bar (0.2 mi).
Does 645 Surry St have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 645 Surry St built?+
It was built in 1942, 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 Susan Jenkins · Better Homes & Gdns Ntv Am Grp · REIN MLS #10639355

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.

645 Surry St, Portsmouth — photo

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

Call or text (757) 777-7577

645 Surry St, Portsmouth, Virginia 23707 · MLS #10639355 · 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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