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221 Richmond Ave, Smithfield, VA, 23430

2beds
2baths
1,743sqft
$420,000
$241price/sqft
$2,743/moest. monthly cost
$109,720/yrincome needed

About This Home

Welcome to easy, one-level living in Church Square. This move-in ready, well-appointed 2-bedroom, 2-bath home offers 1,743 sq ft of thoughtfully designed space with no need to wait for new construction. The chef's kitchen features granite countertops, an electric cooktop, wall oven, microwave, oversized pantry, and a large island with seating. Perfect for everyday living and entertaining! LVP flooring flows through the family room, kitchen, hall, and hall bath, while both bedrooms are carpeted for comfort. The spacious primary suite includes a tray ceiling, oversized closet, and a bath with tile flooring and a level-entry tile shower. A flexible bonus room overlooks the private patio, and the backyard is enclosed with vinyl privacy fence. Additional features include a mudroom and attached 2-car garage. Enjoy community clubhouse, pool, and fitness room.

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

5/10
Hardy Elementary SchoolGrades PK-42.6 mi
5/10
Smithfield Middle SchoolGrades 7-82.7 mi
7/10
Smithfield High SchoolGrades 9-122.8 mi

Construction

Condition

  • Year built: 2024

Materials

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

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

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

Bedrooms & Bathrooms

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

Features

  • Primary Sink-Double,Ceiling Fan(s),Pantry
  • Flooring: Carpet,Ceramic Tile,Laminate/LVP
  • Attic: Pull Down Stairs

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,743 sqft

Other

  • Level: First

Property

Accessibility

  • Accessibility features: Curbless Shower,Level Flooring,Main Floor Laundry,Offset Shower Controls

Details

  • Parcel number: 21G02009A
  • Attached to another structure: Yes

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Patio,Porch
  • Exterior features: Inground Sprinkler
  • Fencing: Back Yard,Privacy,Fenced
  • Waterfront features: Not Waterfront

Lot

  • Lot size: 6,769 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage Att 2 Car,Oversized,Off Street,Driveway,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 $2,123$25,476
Home Insurance *$148$1,776
Property Taxes $270$3,240
Electricity $202$2,433
Total$2,743$32,916
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$94,045/yr
40% on housing$82,290/yr
45% on housing$73,146/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

$241This listing

vs Other Active Listings

Avg $/sqft

ZIP 23430$194
Isle of Wight County$188

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

AgentTori Hanbury
BrokerageBHHS RW Towne Realty

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