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404 Spring Hill Pl, Smithfield, VA, 23430

4beds
4baths
2,572sqft
$387,900
$151price/sqft
$2,590/moest. monthly cost
$103,600/yrincome needed

About This Home

Discover effortless living in the sought-after Benn's Grant community! This beautifully maintained 3-story home offers 4 bedrooms, 3.5 bathrooms, and a thoughtfully designed layout that blends style with everyday functionality. The entry level features a private bedroom with its own full bath along with access to the attached two-car garage. Upstairs, the spacious main living level is designed for entertaining, showcasing an open-concept floor plan including kitchen with a large center island, granite countertops, a coffee/wine bar, built-in surround sound, and access to the balcony. The third floor is home to three additional bedrooms, a full hall bath, and a conveniently located laundry room. Community amenities include a clubhouse with lake and pool views, resort-style pool with waterslide, large playground, piers, and nature trails. Just minutes from shopping, dining, and all that charming Smithfield has to offer.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

7/10
7/10
Smithfield Middle SchoolGrades 7-81.1 mi
5/10
Smithfield High SchoolGrades 9-121.0 mi

Construction

Condition

  • Year built: 2017

Materials

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

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

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

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Bar,Primary Sink-Double,Ceiling Fan(s),Entrance Foyer
  • Flooring: Carpet,Vinyl,Wood
  • Attic: Scuttle

Heating & Cooling

  • Heating features: Natural Gas,Programmable Thermostat
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,572 sqft

Property

Details

  • Parcel number: 3201075A292
  • Attached to another structure: Yes

Features

  • Levels: Tri-Level
  • Stories: 3
  • Pool features: None,Association
  • Patio & porch: Deck
  • Exterior features: Inground Sprinkler,Balcony
  • Fencing: None
  • Waterfront features: Not Waterfront

Lot

  • Lot size: 2,178 sqft

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

  • Hurricane
    HurricaneRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Hurricane
Winter Weather
Cold Wave
Drought
Hail
Heat Wave
Inland Flooding
Ice Storm
Lightning
Strong Wind

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 $1,961$23,532
Home Insurance *$136$1,632
Property Taxes $246$2,952
Electricity $247$2,972
Total$2,590$31,080
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$88,800/yr
40% on housing$77,700/yr
45% on housing$69,066/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

$151This 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

For Sale by Agent

AgentShak Ancrum
BrokerageProdigy Realty

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