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5071 James Way, Smithfield, VA, 23430

3beds
3baths
1,409sqft
$369,900
$263price/sqft
$2,439/moest. monthly cost
$97,560/yrincome needed

About This Home

Welcome home to this beautifully crafted 2026 new construction home offering 3 bedrooms and 2.5 bathrooms of thoughtfully designed living space. Nestled in a quiet neighborhood, this home combines modern style with everyday functionality. Step inside to discover an open-concept floor plan featuring 9-foot ceilings on the main level, creating a bright and spacious feel throughout. The kitchen is designed for both convenience and entertaining, boasting 42-inch upper cabinets, ample counter space, and a peninsula that seamlessly connects to the living and dining areas. Upstairs, the primary suite provides a private retreat complete with a walk-in closet and en-suite bath. Two additional bedrooms offer flexibility for family, guests, or a home office. Enjoy the peace of mind that comes with modern finishes, energy-efficient features, and low-maintenance living. Closing cost assistance and a home warranty are being offered with a full price offer. Owner agent.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

6/10
Hardy Elementary SchoolGrades PK-45.2 mi
7/10
Smithfield Middle SchoolGrades 7-810.2 mi
5/10
Smithfield High SchoolGrades 9-1210.3 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Asphalt Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Electric Range,Refrigerator,Electric Water Heater
  • Laundry features: Dryer Hookup,Washer Hookup

Basement

  • Basement: Crawl Space

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: First

Features

  • Walk-In Closet(s),Ceiling Fan(s)
  • Flooring: Ceramic Tile,Laminate/LVP,Wood

Full Bathroom

  • Level: Second

Heating & Cooling

  • Heating features: Heat Pump W/A,Programmable Thermostat
  • Cooling features: Heat Pump W/A

Interior Area

  • Total interior livable area: 1,409 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Level: Second

Utility Room

  • Level: Second

Property

Details

  • Parcel number: 06C03028
  • Zoning: NC
  • Special condition: Owner Agent

Features

  • Stories: 2
  • Pool features: None
  • Fencing: Chain Link,Partial,Fenced
  • Waterfront features: Not Waterfront

Lot

  • Lot size: 6,969 sqft

Parking

  • Parking features: Off Street,Driveway
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Winter Weather
    Winter WeatherRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Drought
    DroughtModerate
  • Hurricane
    HurricaneModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Coastal Flooding
Drought
Hurricane
Ice Storm
Lightning
Tsunami

FEMA Declared Disasters Across Virginia Counties

Flood
Severe Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,870$22,440
Home Insurance *$130$1,560
Property Taxes $237$2,844
Electricity $202$2,433
Total$2,439$29,268
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$83,622/yr
40% on housing$73,170/yr
45% on housing$65,040/yr

Virginia FAIR Plan Programs

Virginia Property Insurance Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 22,622Commercial: 503
Total Premiums$20.86M
Total Exposure$4.29B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$263This listing

vs Other Active Listings

Avg $/sqft

ZIP 23430$195
Isle of Wight County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 23430$213
Isle of Wight County$204

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

No price history available

New Construction

AgentNicole Hardy
BrokerageFathom Realty

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