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201 Cathedral St, Smithfield, VA, 23430

2beds
2baths
1,428sqft
$387,000
$271price/sqft
$2,542/moest. monthly cost
$101,680/yrincome needed

About This Home

Welcome to easy, low-maintenance living in Church Square, a sought-after 55+ adult community just minutes from downtown Smithfield! This corner-lot home offers a spacious one-level floor plan designed for comfort and convenience. Relax on the front porch or entertain on the enclosed side patio. Inside, you'll find an open layout featuring granite countertops, a large center island, oversized walk-in pantry, and seamless flow between the kitchen, dining area, and great room. The primary suite includes a private bath and large walk-in closet, while a second bedroom and full bath provide ideal space for guests or a home office. A rear-loading two-car garage adds convenience. Community amenities include a clubhouse, swimming pool, fitness center, grilling patio, and gathering spaces. Conveniently located near shopping, restaurants, medical facilities, and everyday essentials, this move-in-ready Smithfield home offers the perfect blend of style, comfort, and carefree 55+ living.

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

6/10
Hardy Elementary SchoolGrades PK-42.5 mi
7/10
Smithfield Middle SchoolGrades 7-82.6 mi
5/10
Smithfield High SchoolGrades 9-122.7 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Slab
  • Roof: Asphalt Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

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

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Primary Sink-Double,Walk-In Closet(s),Ceiling Fan(s),Pantry
  • Window features: Window Treatments
  • Flooring: Carpet,Laminate/LVP
  • Attic: Pull Down Stairs
  • Common walls with other units/homes: Corner Unit,End Unit

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,428 sqft

Primary Bedroom

  • Level: First

Property

Accessibility

  • Accessibility features: Grip-Accessible Features,Accessible Hallway(s),Level Flooring,Main Floor Laundry

Details

  • Parcel number: 21G01028A
  • Attached to another structure: Yes
  • Zoning: TOWN

Features

  • Levels: One
  • Stories: 1
  • Pool features: None,Association
  • Patio & porch: Porch
  • Fencing: None
  • Waterfront features: Not Waterfront

Lot

  • Lot size: 6,098 sqft
  • Features: Corner

Parking

  • Total spaces: 2
  • Parking features: Garage Att 2 Car,Driveway,On Street,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Winter Weather
Hurricane
Heat Wave
Ice Storm
Lightning
Strong Wind
Tornado
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 $1,956$23,472
Home Insurance *$136$1,632
Property Taxes $248$2,976
Electricity $202$2,433
Total$2,542$30,504
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,154/yr
40% on housing$76,260/yr
45% on housing$67,786/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

$271This listing

vs Other Active Listings

Avg $/sqft

ZIP 23430$194
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

For Sale by Agent

AgentPaul Gitlin
BrokerageRedfin Corporation

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