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Cape CharlesCAPE CHARLES109 Golden Bear Cir✓ Source: REIN MLS #10627163 · record updated Jul 10, 2026 · synced every 2 min · your inquiry is never resold
109 Golden Bear CIR, CAPE CHARLES VA 23310 - Main photo
109 Golden Bear CIR, CAPE CHARLES VA 23310 - Photo 2
109 Golden Bear CIR, CAPE CHARLES VA 23310 - Photo 3
109 Golden Bear CIR, CAPE CHARLES VA 23310 - Photo 4
109 Golden Bear CIR, CAPE CHARLES VA 23310 - Photo 5
$1,135,000
$415 / sqft · est. $7,229/mo →
3beds
2.1baths
2,734sqft
125days on market

109 Golden Bear Cir, Cape Charles, VA 23310

ActiveResidential · built 2026 · CAPE CHARLES

About this home

The listing, in the seller's words

The Salt Meadow from Bay Creek Homes, constructed by Virginia Builders, blends coastal elegance and modern farmhouse design. The exterior features board and batten siding and metal roof accents. Inside, find a foyer with a shiplap ceiling and a family room with a brick fireplace. The gourmet kitchen boasts an island, white shaker cabinets, and a custom wood range hood, flowing into a dining area with wood beams and a shiplap ceiling. The main-level owner's suite offers a luxe bath and walk-in closet. Enjoy a large screened porch, a mudroom with a built-in bench, and a 2-car garage. Upstairs features a massive loft with a window nook, 2 bedrooms, and a full bath. Perfectly designed for luxurious, laid-back living!

Listing courtesy of Sabrina Brady · Bay Creek Realty LLC · REIN MLS #10627163

VaHome team overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · LPT Realty

At a glance

A brand-new 2026 construction home at 109 Golden Bear Circle brings 2,734 square feet of thoughtfully designed living space to Cape Charles, Virginia — three bedrooms, two and a half baths, and the kind of fresh-start appeal that only a never-lived-in home can offer.

Read the full overview ↓

Why this home stands out

What sets 109 Golden Bear Circle apart is simple: everything is new. Built in 2026, this 2,734-square-foot home hasn't seen a single owner before you. No inherited quirks, no deferred maintenance, no wondering what's behind the walls. You're getting modern construction standards, current building codes, and a clean slate — in one of the most distinctive small-town settings on the entire East Coast.

About the Cape Charles real estate market

Cape Charles is one of those places people discover by accident and never quite stop thinking about. Tucked at the southern tip of Virginia's Eastern Shore, this small Victorian-era town sits on the Chesapeake Bay side of the peninsula and carries a charm that feels genuinely earned rather than manufactured. The streets are wide, the pace is unhurried, and the architecture ranges from lovingly restored turn-of-the-century homes to thoughtfully designed new construction like 109 Golden Bear Circle. The Cape Charles homes for sale market draws buyers who want something different — a real town with a real Main Street, walkable to boutiques, galleries, and waterfront dining. The town beach and harbor are community anchors, and the surrounding Northampton County landscape offers farmland, wildlife refuges, and open sky that's increasingly rare this close to the coast. Living here means trading suburban sprawl for a front-porch culture that still actually exists.

What's nearby

Daily life in Cape Charles is surprisingly well-equipped for a town its size. The historic downtown district is just minutes away, where you'll find local restaurants, coffee shops, and independent retailers along Mason Avenue. The Cape Charles Town Beach and boat harbor are close enough to become part of your regular routine. For larger grocery runs and big-box errands, Cheriton and Eastville are a short drive north. The Chesapeake Bay Bridge-Tunnel connects the Eastern Shore to Virginia Beach and Norfolk in under an hour, putting a full metro area's worth of dining, healthcare, and entertainment within comfortable reach whenever you want it.

For different buyers

For military families relocating

Joint Base Langley-Eustis is roughly 46 minutes from 109 Golden Bear Circle via the Chesapeake Bay Bridge-Tunnel — a commute that trades highway congestion for one of the more scenic drives in Virginia. For service members who prefer a quieter home base away from the cluster of military-adjacent neighborhoods near the gate, Cape Charles offers a genuine change of pace without stretching the commute beyond reason.

For buyers drawn to character

If your idea of home includes a real town with history, a walkable main street, and neighbors who actually know each other, Cape Charles delivers in ways that most new-construction communities simply can't. At 109 Golden Bear Circle, you get the reliability of 2026 construction paired with the irreplaceable backdrop of a Victorian coastal town — a combination that's genuinely hard to find anywhere on the mid-Atlantic coast.

More buyer questions

How far is 109 Golden Bear Circle from Joint Base Langley-Eustis?

The drive from Cape Charles to Joint Base Langley-Eustis runs approximately 46 minutes under normal conditions, primarily via the Chesapeake Bay Bridge-Tunnel and I-64. The route is straightforward and largely avoids the stop-and-go traffic common in the Hampton Roads metro core.

What year was 109 Golden Bear Circle built?

The home was built in 2026, making it brand-new construction. It's the first ownership cycle for this address, meaning buyers benefit from current building codes, modern materials, and no prior wear.

Is Cape Charles a good place to live year-round?

Yes — while Cape Charles draws significant seasonal visitor traffic, it functions as a fully operational year-round town with local services, a post office, dining, and an engaged permanent community. Many residents specifically appreciate the quieter off-season rhythm.

Does 109 Golden Bear Circle have an HOA?

The property is located within a community that does have an HOA. Your agent can provide the current governing documents and any applicable community rules during the due diligence process.

What is the flood risk situation for this address?

Cape Charles and the surrounding Eastern Shore area include a range of flood zone designations depending on exact location and elevation. The flood risk details for 109 Golden Bear Circle are displayed in the dedicated FloodRisk tile on this page, and a survey or elevation certificate can be ordered for a precise assessment.

Tom and Dariya Milan at LPT Realty know Cape Charles and the Eastern Shore inside and out — reach out to get your questions answered and schedule a walkthrough of 109 Golden Bear Circle.

Summary generated by AI from public records and publicly available information.

Schools

  • ElementaryKiptopeke Elementary
  • MiddleOther Middle School
  • HighNorthampton

Info provided by GreatSchools

Facts & features

The record, sourced

Type

Residential

Year built

2026

Price / sqft

$415

HOA fee

$221/mo

Taxes

$9,456/yr

County

Northampton County VA

MLS #

10627163

Interior

Bedrooms
3
Full baths
2
Half baths
1
Approx. sqft
2,734
Stories
2
Flooring
Wood
First-floor bed & full bath
Yes
Total rooms
7
Appliances
Dishwasher, Disposal, Dryer Hookup, Range, Refrigerator, Washer Hookup

Construction & exterior

Style
Contemp
Subtype
Detached
Foundation
Other
Roof
Asphalt Shingle
Exterior
Fiber Cement
Pool
No Pool

Utilities & systems

Heating
Heat Pump
Cooling
Heat Pump
Water heater
Other
Water
City/County
Sewer
City/County

Lot, parking & ownership

Subdivision
CAPE CHARLES
Ownership
Fee Simple
Garage
Yes
Parking
Garage Att 2 Car
Possession
AT SETTLEMENT
Disclosures
Disclosure Statement

Sources: REIN MLS record · null fields are suppressed, never faked

Flood & environment

FEMA flood zone X · outside the high-risk area · FIRM 51131C

Flood Risk

Looking up FEMA flood zone…

Hurricane Evacuation Zone

Evacuation Zone A

Source: Virginia Dept. of Emergency Management — Know Your Zone

Location intelligence

Minutes to real places, not a score

Location & Neighborhood

Places within ~1 mile, ordered by distance from this property. Powered by Google Places.

Military Commute

Drive times to nearest bases

Drive times via Google Maps with current traffic patterns. Times are typical and may vary by time of day. Use the "Analyze" button up top to see live drive time to your saved base.

The numbers

Run the real carrying cost

Homes at this tier often trade in cash or portfolio financing — the calculator below shows a financed view; taxes are from the public record.

Estimate your monthly payment

$7,008/mo

Principal & interest

$5,889

Property tax

$788

Home insurance

$331

PMI

None

HOA/Condo (paid separately)

$221

Estimate only. Association (HOA/condo) fees are paid separately and are not included in the payment above. Insurance assumed at 0.35% of home value annually. Actual taxes, insurance, and rate will vary by lender, credit, and property. Contact a lender for a personalized quote.

Value & history

Judge value on real ground

Why we show no algorithmic estimate.

National AVMs misprice homes whose value drivers they can't see. Instead: the sourced assessment above, the carrying cost, real price history, and honest comparables below.

Price context — similar nearby homes

$899,000$1,275,000

The 6 most similar homes nearby (same city, within ~20% of this size, ~2.5 mi; 3 sold). Context for judging the asking price — not an appraisal or an estimate of this home's value.

601 Pine ST · 0.3 mi · 3,012 sqft$1,090,000 sold 2026-06
146 Golden Bear CIR · 0 mi · 2,432 sqft$1,275,000 active
214 Muirfield Drive · 1 mi · 2,460 sqft$1,000,000 sold 2026-05

Sale & Tax History

List Price

$1,135,000

Price / Sq Ft

$415

Annual Taxes

$9,456

Monthly Tax

$788

HOA fee

$221 / mo

Tax Rate (effective)

0.83%

Sale Timeline (this listing)

EventDatePriceDetail
ListedMar 7, 2026$1,135,000
Currently listed$1,135,000

Looking for multi-year tax assessments or prior sales? REIN MLS only ships data for the current listing. For full property history, check the city assessor record:

Cape Charles Assessor (Google)

Tax data above from REIN public-records sync. Sale timeline tracked from this listing's first appearance in our feed forward; prior owner sales are not included.

Comparable Properties

Comps are selected by city, bed count, square footage and price proximity. Composite similarity score weights bed match, sqft variance, price variance, and straight-line distance.

Market tempo

125 days on market — read it in context

Higher-priced homes market more slowly by nature: the buyer pool is smaller and diligence is heavier. Days-on-market at this tier is a rhythm, not a warning.

Questions buyers ask

Real questions, answered from the record

Is 109 Golden Bear Cir in a good school zone?+
The assigned zones on the listing record are Kiptopeke Elementary, Other Middle School, Northampton. School attendance zones can change — always confirm enrollment with the local school division.
Is 109 Golden Bear Cir in a flood zone?+
FEMA maps this parcel in Zone X, outside the high-risk Special Flood Hazard Area. See the flood section on this page for details and sources.
Does 109 Golden Bear Cir have an HOA?+
Yes — HOA dues are on record for this property (the current amount is shown in the facts section on this page). The association of record is n/a.
When was 109 Golden Bear Cir built?+
It was built in 2026, per the listing record.

Answers generated from the listing record, verified school zones, FEMA data, and cached nearby-places data — never invented.

The people

You'll talk to a person, not a lead queue

TD

Tom & Dariya Milan

LPT Realty · Hampton Roads · answer their own phone

✓ Your inquiry goes to Tom & Dariya — never sold to strangers

Listing courtesy of Sabrina Brady · Bay Creek Realty LLC · REIN MLS #10627163

Call or text (757) 777-7577

Ask Dariya — instant answers

Schools, flood, drive times, what it really costs to own — answered from this page's data, by chat or voice.

Schedule a private tour

Free, no obligation — your inquiry goes to Tom & Dariya, never resold.

109 Golden Bear Cir, Cape Charles — photo

See it in person — the record only says so much.

Call or text (757) 777-7577

109 Golden Bear Cir, Cape Charles, Virginia 23310 · MLS #10627163 · Source: REIN MLS + public record. Information deemed reliable but not guaranteed — verify independently. School zones subject to change; confirm with the local school division. All locations are described by neutral geographic fact. Equal Housing Opportunity.