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PortsmouthRIVER PARK645 Surry St✓ Source: REIN MLS #10639355 · record updated Jul 7, 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
$243,000
$176 / sqft · est. $1,588/mo →
3beds
2baths
1,384sqft
24days on market

645 Surry St, Portsmouth, VA 23707

ActiveResidential · built 1942 · RIVER PARK

About this home

The listing, in the seller's words

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

VaHome team overview

Our read on this home

At a glance

645 Surry Street is a 1,384-square-foot, three-bedroom, two-bath home on a generous 0.21-acre lot in Portsmouth, Virginia. Built in 1942, this residential property sits just minutes from Naval Medical Center Portsmouth and USCG Base Portsmouth, making it a practical fit for Hampton Roads military households.

Read the full overview ↓

Why this home stands out

What sets 645 Surry Street apart is the combination of a sizable lot and a compact, manageable footprint — rare in this price tier of Portsmouth. The 0.21-acre lot gives you real outdoor space without the upkeep of a sprawling estate, while the 1942 construction era brings the kind of solid bones and architectural character that newer builds simply can't replicate. Two full baths across three bedrooms keeps daily routines running smoothly.

RIVER PARK and the Portsmouth real estate market

645 Surry Street sits in Portsmouth, Virginia — one of the seven cities of Hampton Roads and one of the oldest communities in the region. Portsmouth carries a genuine sense of history: the streets here were laid out long before most American cities existed, and that heritage shows in the architecture, the mature tree canopy, and the neighborhood scale. The Surry Street corridor is a residential pocket of the city characterized by mid-century homes on established lots, where neighbors tend to know each other and front porches still get used. Portsmouth's Olde Towne Historic District is just a short drive away, offering waterfront parks, local restaurants, and a ferry connection to downtown Norfolk. The city's central position in Hampton Roads means you're rarely far from anything — beaches, bases, interstates, and employment hubs are all within easy reach. For anyone considering a VA loan, Portsmouth's proximity to multiple installations makes it a natural fit for military buyers looking to put down roots in a stable, well-connected community.

What's nearby

Daily life is easy from 645 Surry Street. Naval Medical Center Portsmouth is roughly five minutes away, and USCG Base Portsmouth is about six — a genuinely short commute by any measure. The Olde Towne waterfront puts you close to the Elizabeth River Trail, a multi-use path popular with walkers and cyclists. Grocery options, pharmacies, and everyday retail are accessible along the nearby commercial corridors of Portsmouth. Interstate 264 and the Downtown Tunnel provide quick connections to Norfolk, Virginia Beach, and the broader Hampton Roads network, so weekend plans rarely require a long drive.

For different buyers

For military families relocating

Five minutes to Naval Medical Center Portsmouth and six to USCG Base Portsmouth — the commute math here is hard to argue with. Whether you're active duty, a civilian employee, or a contractor, 645 Surry Street puts you close enough to the gate that schedule changes don't turn into logistical crises. A VA loan can make this kind of proximity even more accessible for qualifying buyers.

For buyers drawn to character

If you appreciate homes with actual history, 645 Surry Street delivers. Built in 1942, it belongs to an era when residential construction prioritized durability and proportion over quick assembly. The 0.21-acre lot, the established neighborhood, the mature surroundings — these aren't features you can manufacture in a new subdivision. Portsmouth's deep roots as one of America's oldest port cities only add to the sense of place.

More buyer questions

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

Naval Medical Center Portsmouth is approximately five minutes from 645 Surry Street by car, making it one of the closest residential options to the base in the city. The short drive holds up well even during peak commute hours given the local road network.

How far is 645 Surry Street from USCG Base Portsmouth?

USCG Base Portsmouth is about six minutes away, placing 645 Surry Street within easy reach for Coast Guard personnel and civilian employees assigned there.

What is the lot size at 645 Surry Street?

The lot measures 0.21 acres, which is a notably generous footprint for this part of Portsmouth and provides meaningful outdoor space for gardening, entertaining, or simply having room to spread out.

Is 645 Surry Street in a flood zone?

Flood zone information for 645 Surry Street is displayed in the dedicated FloodRisk tile on this page, which pulls current FEMA map data for the property's specific parcel.

What architectural era does 645 Surry Street represent?

The home was built in 1942, placing it firmly in the mid-century residential tradition common throughout Portsmouth's established neighborhoods. Homes of this era are typically known for solid construction, defined room layouts, and details that distinguish them from modern production builds.

Curious whether 645 Surry Street fits your timeline and goals? Tom and Dariya Milan at LPT Realty know Portsmouth well — reach out and let's talk through the details.

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

Schools

Info provided by GreatSchools

Facts & features

The record, sourced

Type

Residential

Year built

1942

Price / sqft

$176

HOA

None

Taxes

$3,072/yr

County

Portsmouth VA

Waterfront

Yes

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
Waterfront
Not Waterfront

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

Flood & environment

FEMA flood zone X · outside the high-risk area · FIRM 515529

Flood Risk

Looking up FEMA flood zone…

Hurricane Evacuation Zone

Evacuation Zone A

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

In the Olde Towne Portsmouth neighborhood of Portsmouth. 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

$1,588/mo

Principal & interest

$1,261

Property tax

$256

Home insurance

$71

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

Judge value on real ground

Asking vs. assessment

97% of $250,930

City assessment record · taxes $3,072/yr

Land share of assessed value

25% — $63,480

Improvements $187,450 · 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

$249,000$279,000

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.

3704 Deep Creek BLVD · 2.4 mi · 1,379 sqft$279,000 sold 2026-01
2621 Greenwood DR · 2.7 mi · 1,380 sqft$249,000 sold 2026-04
270 Foxglove DR · 2.5 mi · 1,294 sqft$255,000 sold 2026-06

Sale & Tax History

List Price

$243,000

Price / Sq Ft

$176

Annual Taxes

$3,072

Monthly Tax

$256

HOA

None

Tax Rate (effective)

1.26%

Sale Timeline (this listing)

EventDatePriceDetail
ListedJun 13, 2026$243,000
Price reducedJul 7, 2026$243,000−$5,000
Currently listed$243,000

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

Asking near 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

24 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 645 Surry St in a good school zone?+
The assigned zones on the listing record are Waterview Elementary (GreatSchools 2/10), Churchland Middle (GreatSchools 5/10), Churchland (GreatSchools 5/10). 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

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.