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Cape Charles › CAPE CHARLES › 109 Golden Bear Cir✓ Source: REIN MLS #10627163 · record updated Jul 10, 2026 · synced every 5 min · your inquiry is never resold
109 Golden Bear CIR, CAPECHARLES VA 23310 - Main photo
109 Golden Bear CIR, CAPECHARLES VA 23310 - Photo 2
109 Golden Bear CIR, CAPECHARLES VA 23310 - Photo 3
109 Golden Bear CIR, CAPECHARLES VA 23310 - Photo 4
109 Golden Bear CIR, CAPECHARLES 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

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

Waterfront

Yes

MLS #

10627163

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

Flood & environment

The flood answer first — quantified, not buried

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

Flood Risk

Looking up FEMA flood 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

$7,229/mo

Principal & interest

$5,889

Property tax

$788

Home insurance

$331

PMI

None

HOA

$221

Estimate only. 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

$795,900 – $1,275,000

The 6 most similar homes nearby (same city, within ~20% of this size, ~2.5 mi; 2 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.

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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