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Cape Charles › CAPE CHARLES › 109 Golden Bear Cir✓ Source: REIN MLS #10627163 · record updated Sep 5, 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
3beds
2.1baths
2,734sqft
182days on market

109 Golden Bear Cir, Cape Charles, VA 23310

ActiveResidential · built 2026 · CAPE CHARLES

Facts & features

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

About this home

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

Tom & Dariya's overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · Brokered by LPT Realty

At a glance

Meet 109 Golden Bear Circle in Cape Charles—a brand-new three-bedroom, two-bath home with 2,734 square feet of modern living space. You'll find yourself steps from natural preserves and local dining, in a quiet coastal community with genuine small-town character.

Read the full overview ↓

Why this home stands out

Built in 2026, this home arrives with contemporary construction and clean finishes throughout. The open layout spans three bedrooms and 2.1 baths, giving you room to spread out. Cape Charles itself is a rare find: a walkable waterfront town where you're close to nature preserves, local restaurants, and the slower pace of Virginia's Eastern Shore—yet still connected to the broader region.

About the Cape Charles real estate market

Cape Charles is a charming coastal community on Virginia's Eastern Shore, known for its tree-lined streets, waterfront access, and genuine sense of place. The town draws people who value proximity to nature and a slower, more intentional pace of life. You're within walking distance of the Cape Charles Coastal Habitat Natural Area Preserve and Cape Charles Natural Area Preserve, both offering trails and wildlife viewing. Locally, Coach House Tavern and Hook @ Harvey a Cape Charles Bistro serve as gathering spots for residents. The broader Eastern Shore region is accessible via US Route 13, which runs the length of the peninsula. Norfolk and the Hampton Roads area lie about 90 minutes north by car, making day trips feasible for work or urban amenities. Daily life here centers on outdoor recreation, local dining, and the rhythm of a tight-knit waterfront town.

What's nearby

You're steps away from Cape Charles Coastal Habitat Natural Area Preserve and Cape Charles Natural Area Preserve—both ideal for walking, bird-watching, and connecting with the local ecosystem. Coach House Tavern sits less than a mile away, and Hook @ Harvey a Cape Charles Bistro is just over a mile off. These spots anchor the town's social and dining scene. The waterfront itself is close by, offering views and access to the water. Everything you need for daily life is within easy reach.

For different buyers

Base commute and VA loan notes

Joint Base Langley-Eustis lies about 45 minutes away, making this a viable commute for active-duty and civilian personnel. VA loan financing is common in the area, and a brand-new home means no immediate repairs or surprises. You'll move into a finished, modern space ready to live in from day one.

Room to grow

Three bedrooms and 2.1 baths give you space to grow without the burden of renovation. The 2,734 square feet spreads across a modern, open layout—no cramped quarters or outdated systems to manage. Brand-new construction means everything works as designed, so you can focus on living rather than fixing.

More buyer questions

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

About 45 minutes by car, depending on traffic and which part of the base you're heading to. It's a reasonable commute for many Eastern Shore residents.

What parks and nature areas are nearby?

Cape Charles Coastal Habitat Natural Area Preserve and Cape Charles Natural Area Preserve are both within walking distance, offering trails and wildlife viewing opportunities.

Where can I eat and socialize in Cape Charles?

Coach House Tavern and Hook @ Harvey a Cape Charles Bistro are the main gathering spots, both within a mile of this address and popular with locals.

Is this a new construction home?

Yes—built in 2026, so you're getting contemporary construction, modern finishes, and no deferred maintenance.

What's the character of Cape Charles as a town?

Cape Charles is a walkable, waterfront-oriented community on Virginia's Eastern Shore known for its small-town feel, outdoor access, and slower pace of life.

Ready to explore 109 Golden Bear Circle? Contact Tom & Dariya Milan to schedule a tour and discover what Cape Charles living offers.

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

Homes like this one sell fast — see the next one first

Cape Charles$960K – $1.3M3+ beds

By subscribing you agree to receive listing emails from Tom & Dariya Milan, Realtors, at most one a day. Unsubscribe anytime · Privacy PolicyBrokered by LPT Realty

Schools

VaHome School Score

Our own 1–10 rating, scored from Virginia Department of Education data.

  • ElementaryKiptopeke Elementary
    —
  • MiddleOther Middle School
    —
  • HighNorthampton
    —

VaHome School Score — calculated by VaHome.com from Virginia Department of Education assessment, progress, and attendance data. Attendance zones come from the MLS listing record; confirm the current zone with the school division before making an offer.

Flood & environment

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

Flood Risk (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 51131C

Low / Moderate Risk

FEMA flood zone

X (low to moderate risk)

Base flood elevation

Not applicable in low-risk zones

Zone X is outside the Special Flood Hazard Area; FEMA doesn\u2019t define a BFE here.

Property elevation

6.9 ft above sea level

USGS 3DEP digital elevation model

Outside the high-risk Special Flood Hazard Area. Federal flood insurance is NOT required, though optional preferred-rate NFIP coverage is still worth considering in coastal Hampton Roads.

Data sources: Flood zone and base flood elevation come from FEMA\u2019s National Flood Hazard Layer. Property elevation is sampled from a single point on the parcel using the USGS National Map elevation service \u2014 actual elevations across a single property can vary by several feet higher or lower than the figure shown. Use these numbers as a starting reference and do your own due diligence (a professional survey or elevation certificate) before relying on them for any financial, insurance, or construction decision.

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

Price context — similar nearby homes

$600,000 – $1,200,000

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

214 Muirfield Drive · 0.1 mi · 2,460 sqft$1,000,000 sold 2026-05
408 Cassatt Knoll · 0.4 mi · 2,850 sqft$1,137,000 sold 2026-09
230 Muirfield DR · 0.2 mi · 3,065 sqft$1,200,000 sold 2026-07

Own a home nearby? See what it is worth today — What's your Cape Charles home worth?

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 8, 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

182 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

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

Brokered by 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.

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