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Cape Charles › CAPE CHARLES › 109 Golden Bear Cir✓ Source: REIN MLS #10627163 · record updated Sep 6, 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

109 Golden Bear Circle brings 2,734 square feet of new construction to Cape Charles, Virginia — three bedrooms, two and a half baths, and a 2026 build date that means everything is factory-fresh. It's a rare opportunity to own a brand-new home on Virginia's quieter Eastern Shore.

Read the full overview ↓

Why this home stands out

New construction in Cape Charles is genuinely uncommon, and 109 Golden Bear Circle stands out as a 2026-built, 2,734-square-foot home that hasn't been lived in before. Three bedrooms, two and a half baths, and the kind of clean-slate quality that older Eastern Shore inventory simply can't offer. You're not inheriting someone else's choices — you're starting fresh in a town that people drive hours to visit.

About the Cape Charles real estate market

Cape Charles, Virginia sits at the southern tip of the Delmarva Peninsula in Northampton County, wrapped by the Chesapeake Bay to the west and the Atlantic barrier islands to the east. It's a small, walkable historic town with a genuine Main Street, a public beach, and a harbor that draws sailors and kayakers alike. The pace here is deliberate — neighbors actually wave, and the weekend farmer's market is a real event, not a formality. Golden Bear Circle sits within the Chesapeake Bay Golf Club community, a planned neighborhood built around a championship course and a lifestyle that leans outdoor and unhurried. Cape Charles homes for sale in this community tend to attract buyers who want something meaningfully different from the density of Virginia Beach or Norfolk — a place where the natural environment is the main attraction, not an afterthought.

What's nearby

Daily life around 109 Golden Bear Circle keeps things pleasantly low-key. The Cape Charles Coastal Habitat Natural Area Preserve is just half a mile away, and the Cape Charles Natural Area Preserve is a short six-tenths of a mile — both offer trails and wildlife viewing that feel like a private nature reserve at your doorstep. When you're ready for a meal out, Coach House Tavern is under a mile away and a local favorite for good reason. Hook @ Harvey, a Cape Charles Bistro, is just a mile out and brings a more coastal-bistro energy to the dining scene. Cape Charles proper — with its beach, boutiques, and harbor — is just a short drive down Bay Avenue.

For different buyers

For military families relocating

Joint Base Langley-Eustis is roughly 45 minutes from 109 Golden Bear Circle, making this a workable commute for service members who want to trade base-adjacent congestion for genuine breathing room. A VA loan can make a 2026 new-construction home like this one more accessible than many buyers expect — no down payment, no private mortgage insurance, and a property that needs zero repairs on day one.

For buyers drawn to character

If you've been scrolling past cookie-cutter subdivisions looking for something with a real sense of place, Cape Charles is worth your attention. Golden Bear Circle puts you inside a thoughtfully planned golf community while the town itself — Victorian architecture, a working harbor, preserved natural areas — delivers the kind of layered character that takes decades to develop. This is new construction with an old soul surrounding it.

More buyer questions

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

The drive from 109 Golden Bear Circle to Joint Base Langley-Eustis runs approximately 45 minutes under normal traffic conditions, crossing the Chesapeake Bay Bridge-Tunnel. Service members using a VA loan to purchase here should factor in the bridge toll for daily commuting.

What is the flood zone status for 109 Golden Bear Circle?

Flood zone information for this address is detailed in the FloodRisk tile on this page — check there for the current FEMA designation and what it means for insurance requirements.

Is 109 Golden Bear Circle part of an HOA?

Yes, 109 Golden Bear Circle is within the Chesapeake Bay Golf Club community, which does have a homeowners association. HOA documents and any applicable rules are available through the listing details.

What year was 109 Golden Bear Circle built?

109 Golden Bear Circle was built in 2026, making it a brand-new construction home with no prior occupancy history.

Where are the nearest parks and natural areas to 109 Golden Bear Circle?

Two preserved natural areas are within less than a mile: the Cape Charles Coastal Habitat Natural Area Preserve at roughly 0.5 miles and the Cape Charles Natural Area Preserve at about 0.6 miles, both offering trails and coastal wildlife habitat.

Tom and Dariya Milan at LPT Realty know Cape Charles 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.

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

Cape Charles$960K – $1.3M3+ beds

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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

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

Price context — similar nearby homes

$725,000 – $1,225,000

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.

214 Muirfield Drive · 0.1 mi · 2,460 sqft$1,000,000 sold 2026-05
230 Muirfield DR · 0.2 mi · 3,065 sqft$1,200,000 sold 2026-07
306 Bayside Avenue · 0.3 mi · 2,387 sqft$885,000 sold 2026-04

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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