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Cape Charles › CAPE CHARLES › 109 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
150days 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

VaHome team overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · LPT Realty

At a glance

109 Golden Bear Circle is a brand-new 2026-built, three-bedroom, two-and-a-half-bath home in Cape Charles, Virginia — offering 2,734 square feet of thoughtfully designed living space in one of the Eastern Shore's most charming coastal towns.

Read the full overview ↓

Why this home stands out

New construction in Cape Charles is rare, and 109 Golden Bear Circle delivers it without compromise. At 2,734 square feet, this 2026-built home gives you the breathing room that older cottage-style properties in town simply can't match. You're getting fresh systems, modern finishes, and a layout designed for the way people actually live today — all within a short walk of the bay and the nature preserves that define this stretch of the Eastern Shore.

About the Cape Charles real estate market

Cape Charles is a small, walkable town on Virginia's Eastern Shore that punches well above its weight in personality. The historic downtown district — with its wide, tree-lined streets and late-Victorian architecture — sits just over a mile from Golden Bear Circle, and the town's famous beach on the Chesapeake Bay is equally close. Cape Charles has quietly become one of the most talked-about small towns in Virginia, drawing people who want a slower pace without sacrificing a genuine sense of community. The Golden Bear Circle address puts you at the edge of town where new development meets open land, giving you elbow room that's hard to find closer to the historic core. Northampton County governs this area, and the town itself is compact enough that daily errands, waterfront dining, and evening walks along the bay all feel effortlessly within reach. It's a place where neighbors actually know each other.

What's nearby

Step outside and you're already close to some of the best Cape Charles has to offer. The Cape Charles Coastal Habitat Natural Area Preserve is just half a mile away, and the Cape Charles Natural Area Preserve is only slightly farther at 0.6 miles — together they offer miles of trails and quiet shoreline that feel a world apart from the mainland. When it's time to eat, Coach House Tavern is under a mile away and Hook @ Harvey a Cape Charles Bistro is just one mile out — both are local staples worth knowing by name. The Chesapeake Bay Bridge-Tunnel connects you to Virginia Beach and the broader Hampton Roads metro in under an hour.

For different buyers

For military families relocating

Joint Base Langley-Eustis is roughly 45 minutes from 109 Golden Bear Circle — a manageable commute that opens the door to Eastern Shore living at a pace the base perimeter simply can't offer. A VA loan can make a new-construction home like this one more accessible than many buyers expect, and the 2026 build means you're not inheriting anyone else's deferred maintenance.

For buyers drawn to character

If you've been searching for something that feels genuinely different — not another subdivision house on a quarter-acre lot — Cape Charles delivers. Golden Bear Circle sits at the edge of a town with real bones: Victorian streetscapes, a working waterfront, and nature preserves steps from your door. A 2026-built home here means you get the character of the place without trading away modern construction standards.

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. Many service members find the commute worthwhile given the lifestyle and space the Eastern Shore offers.

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

Flood zone information for this address is displayed in the dedicated FloodRisk tile on this page, which pulls current FEMA map data. Cape Charles properties vary by zone, so reviewing that tile and speaking with a local insurance agent is the best starting point.

Is 109 Golden Bear Circle part of an HOA?

This property is located within a community that does have an HOA. Specific fee amounts and governing documents are available upon request through the listing contact.

What year was 109 Golden Bear Circle built?

109 Golden Bear Circle was built in 2026, making it brand-new construction with fresh systems, warranties, and modern finishes throughout its 2,734 square feet.

How close is 109 Golden Bear Circle to the Chesapeake Bay beach?

Cape Charles's public beach on the Chesapeake Bay is approximately one mile from Golden Bear Circle, making it an easy bike ride or a short drive for an evening on the water.

Ready to explore 109 Golden Bear Circle in person? Tom and Dariya Milan at LPT Realty know Cape Charles well — reach out and let's set up a walkthrough at your convenience.

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

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 – $1,200,000

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

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

150 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

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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