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200 Saint Andrews, Smithfield, VA, 23430

6beds
4baths
4,116sqft
$750,000
$182price/sqft
$4,843/moest. monthly cost
$193,720/yrincome needed

About This Home

This rare gem offers a multigenerational home with a fully finished basement in Smithfield! With 6 bedrooms (including a flex. room) and 4 full baths, this beautifully designed home provides exceptional space, functionality, and storage. Situated on a corner lot near 2 pools, a clubhouse, tennis/pickleball courts, playgrounds, and the neighborhood restaurant—enjoy resort-style living. A first-floor bedroom and full bath is perfect for guests, teens, or in-law suite. The kitchen features white cabinetry, quartz counters, pantry, and gas cooktop. Upstairs, the primary suite is a retreat with a walk-in closet and spa-style ensuite—oversized tiled shower, soaking tub, and dual vanities. All bathrooms have tile flooring. Awaiting outside is your low-maintenance Trex deck—ideal for BBQs or relaxing under the stars. Minutes from historic downtown Smithfield: farmers markets, live music, festivals, and boutique shopping. Plus, enjoy growing access to new dining, shopping, and a new hospital.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

5/10
Hardy Elementary SchoolGrades PK-43.6 mi
5/10
Smithfield Middle SchoolGrades 7-81.7 mi
7/10
Smithfield High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Basement
  • Roof: Asphalt Shingle
  • Construction materials: Fiber Cement

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Dual Entry Bath (Br & Hall),Primary Sink-Double,Walk-In Closet(s),Ceiling Fan(s),In-Law Floorplan,Pantry
  • Window features: Window Treatments
  • Flooring: Carpet,Laminate/LVP
  • Attic: Walk-In

Heating & Cooling

  • Heating features: Zoned
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 4,116 sqft

Property

Details

  • Parcel number: 21E02009

Features

  • Stories: 3
  • Pool features: None
  • Patio & porch: Deck,Porch
  • Exterior features: Inground Sprinkler,Irrigation Control
  • Fencing: None
  • Waterfront features: Not Waterfront

Lot

  • Lot size: 0.30 Acres
  • Features: Corner

Parking

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

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 $3,792$45,504
Home Insurance *$264$3,168
Property Taxes $391$4,692
Electricity $396$4,757
Total$4,843$58,116
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$166,045/yr
40% on housing$145,290/yr
45% on housing$129,146/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

$182This 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

AgentAmanda Emanuel
BrokerageBHHS RW Towne Realty

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