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Suffolk › THE RETREAT AT HARBOUR COVE › 1103 Elaina (Lot 44) Pl✓ Source: REIN MLS #10618618 · record updated May 17, 2026 · synced every 2 min · your inquiry is never resold
1103 Elaina (Lot 44) PL, SUFFOLK VA 23435 - Main photo
1103 Elaina (Lot 44) PL, SUFFOLK VA 23435 - Photo 2
1103 Elaina (Lot 44) PL, SUFFOLK VA 23435 - Photo 3
1103 Elaina (Lot 44) PL, SUFFOLK VA 23435 - Photo 4
1103 Elaina (Lot 44) PL, SUFFOLK VA 23435 - Photo 5
3beds
3baths
2,859sqft
182days on market

1103 Elaina (Lot 44) Pl, Suffolk, VA 23435

ActiveResidential · built 2025 · THE RETREAT AT HARBOUR COVE

Facts & features

Type

Residential

Year built

2025

Price / sqft

$207

Condo fee

$359/mo

HOA fee

$6/mo

Taxes

$6,000/yr

County

Suffolk VA

MLS #

10618618

Association amenities

ClubhouseExercise RmPoolTrash Pickup

$359/mo condo fee + $6/mo HOA fee · The Retreat at Harbour View COA · per the REIN MLS listing record — confirm inclusions with the association.

Interior

Bedrooms
3
Full baths
3
Approx. sqft
2,859
Stories
2
Flooring
Carpet, Ceramic, Laminate/LVP
Ensuite bedrooms
2
First-floor bed & full bath
Yes
Total rooms
6
Other rooms
1st Floor BR, 1st Floor Primary BR, Foyer, Loft, PBR with Bath, Pantry, Porch, Screened Porch, Spare Room, Utility Room
Appliances
Dishwasher, Disposal, Dryer Hookup, Microwave, Elec Range, Gas Range, Washer Hookup
Equipment
Cable Hookup, Ceiling Fan, Gar Door Opener, Security Sys
Accessibility
Level Flooring, Main Floor Laundry

Construction & exterior

Style
Transitional
Subtype
Attached
Foundation
Slab
Roof
Asphalt Shingle
Exterior
Brick,Fiber Cement
Pool
No Pool

Utilities & systems

Heating
Heat Pump, Programmable Thermostat
Cooling
Central Air
Water heater
Gas
Water
City/County
Sewer
City/County

Lot, parking & ownership

Subdivision
THE RETREAT AT HARBOUR COVE
Zoning
RES
Ownership
Condo
Garage
Yes
Parking
Garage Att 2 Car, Multi Car, Off Street, Driveway Spc
Possession
NEGOTIABLE
Disclosures
Residential 55+ Community

See more Suffolk new construction homes.

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

About this home

BUILDERS MODEL HOME! TONS OF UPGRADES. Enjoy low-maintenance living and an active lifestyle in this new construction home located in a welcoming 55+ community in the Harbour View area of Suffolk. Designed for connection and comfort, this open-concept home features primary bedroom and office/secondary bedroom on the first floor. Large loft, guest room and flexible space with the option for a fourth bedroom, bonus room, or guest retreat. Built by a well-established local builder, this community is ideal for those seeking social opportunities, neighborly gatherings, and easy living. Visit the model home daily from 12-5 and ask about current builder incentives. We also have other models with varying completion timelines.

Listing courtesy of Laurie Williamson · BHHS RW Towne Realty · REIN MLS #10618618

Tom & Dariya's overview

Our read on this home

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

At a glance

Brand-new three-bedroom, three-bath home in THE RETREAT AT HARBOUR COVE offers 2,859 square feet of modern living. Built in 2025, this residence sits in a growing Suffolk community just 14 minutes from NSA Hampton Roads. It's the kind of home that anchors homes for sale in 23435.

Keep searching in Suffolk

See all Suffolk homes for sale, including homes for sale in 23435, homes for sale zoned for Nansemond River High School, and homes for sale zoned for Northern Shores Elementary School. Browse every listing among homes for sale in Suffolk — updated from the REIN MLS every few minutes. Nearby, look at The Retreat at Harbour Cove homes for sale, Suffolk waterfront homes for sale, Suffolk condos and townhomes for sale, and new construction homes in Suffolk.

Read the full overview ↓

Why this home stands out

This 2025-built home combines fresh construction quality with thoughtful design. Open floor plans, contemporary finishes, and full three-bath layout mean no compromises on comfort or function. THE RETREAT AT HARBOUR COVE is a newer neighborhood where you'll find homes built to today's standards. The community is walkable and well-planned, with amenities and green space already in place. You're buying into a neighborhood still taking shape—newer construction, newer neighbors, newer everything.

THE RETREAT AT HARBOUR COVE and the Suffolk real estate market

THE RETREAT AT HARBOUR COVE is a residential community in Suffolk that blends suburban convenience with modern neighborhood planning. Tree-lined streets and well-maintained homes create a welcoming streetscape. The neighborhood has a mix of new construction and established properties, all with consistent upkeep. Suffolk itself is a mid-sized city with a strong commercial corridor and easy access to both Hampton and Newport News. Route 58 runs through the city and connects you to Naval Station Norfolk in about 25 minutes. Daily life here means short commutes to bases, shopping at nearby centers, and a sense of community without feeling cramped. Anyone comparing Suffolk homes for sale will find this neighborhood among the newer, more planned options.

What's nearby

You're close to shopping, dining, and services. Grocery stores and pharmacies are within five minutes by car. Route 58 offers restaurants and retail in both directions. THE RETREAT AT HARBOUR COVE sits near parks and green spaces that anchor the community. NSA Hampton Roads is about 14 minutes away, and Naval Medical Center Portsmouth is roughly 15 minutes north. The neighborhood is also positioned well for anyone commuting to the greater Hampton Roads region.

For different buyers

Base commute and VA loan notes

NSA Hampton Roads is a 14-minute commute from this address. Naval Medical Center Portsmouth sits about 15 minutes away. New construction like this one often qualifies for VA loan financing. Everything is under warranty and built to current code.

Room to grow

Three bedrooms and three full baths give everyone their own space. 2,859 square feet allows for a real master suite, dedicated home office, and room to spread out. New construction means modern storage, updated HVAC, and appliances that won't need replacing for years. The neighborhood itself has parks and walkable streets.

More buyer questions

How far is 1103 Elaina PL from NSA Hampton Roads?

About 14 minutes by car. It's one of the closer commutes available in this part of Suffolk.

What schools are zoned for this address?

This home is zoned for homes for sale zoned for Northern Shores Elementary School and homes for sale zoned for Nansemond River High School.

Is this a brand-new home?

Yes—built in 2025. Everything is new, under warranty, and built to current code and energy standards.

Does the neighborhood have HOA?

Yes, THE RETREAT AT HARBOUR COVE is a planned community with an HOA that maintains common areas and enforces deed restrictions.

What's the commute to Naval Medical Center Portsmouth?

About 15 minutes by car. It's a straightforward drive north from this address.

Ready to tour 1103 Elaina PL? Contact Tom & Dariya Milan at LPT Realty to schedule your visit and learn more about this new home.

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

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

Suffolk$500K – $680K3+ 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.

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 510156

Flood Risk (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 510156

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

19.4 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 D

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

Explore this neighborhood

The Retreat at Harbour Cove

The Retreat at Harbour Cove is an age-restricted 55+ community in the Harbour View area of North Suffolk. It sits near the Nansemond River, just off Interstate 664.

$505K

Median sale · 12 mo

$218

Sold $/sq ft

166d

Days on market

5

For sale now

$159K

HH income

94.3%

Owner-occupied

REIN MLS closed sales, trailing 12 mo · U.S. Census ACS 2024 5-year

Explore The Retreat at Harbour Cove →
Map of The Retreat at Harbour Cove with neighborhood boundaryNeighborhood

Suffolk homes for sale →

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

Estimates only — taxes come from the public record; confirm rates with your lender. VA-eligible buyers: $0-down financing may apply.

Estimate your monthly payment

$3,737/mo

Principal & interest

$3,065

Property tax

$500

Home insurance

$172

PMI

None

HOA/Condo (paid separately)

$365

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

$404,000 – $660,000

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.

5004 Shoal Creek RD · 0.4 mi · 3,000 sqft$660,000 sold 2026-06
5300 S Bay Hill CT · 1.2 mi · 2,916 sqft$579,900 sold 2026-04
1017 Skiffs Landing LN · 1.3 mi · 2,934 sqft$490,000 sold 2026-06

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

Sale & Tax History

List Price

$590,695

Price / Sq Ft

$207

Annual Taxes

$6,000

Monthly Tax

$500

HOA + condo fees

$365 / mo

Tax Rate (effective)

1.02%

Sale Timeline (this listing)

EventDatePriceDetail
ListedFeb 3, 2026$590,695—
Currently listed—$590,695—

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:

Suffolk Real Estate Assessor

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

Days on market reflects pricing, season, and inventory — compare it against similar nearby homes below before reading anything into it.

Questions buyers ask

Is 1103 Elaina (Lot 44) Pl in a good school zone?+
The assigned zones on the listing record are Northern Shores Elementary (VaHome School Score 7.1/10), Col. Fred Cherry Middle, Nansemond River (VaHome School Score 6/10). School attendance zones can change — always confirm enrollment with the local school division.
Is 1103 Elaina (Lot 44) Pl 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.
Is there a gym near 1103 Elaina (Lot 44) Pl?+
Yes — Fine Lines Personal Training is about 0.8 miles away, per the cached nearby-places record for this address.
Are there parks near 1103 Elaina (Lot 44) Pl?+
Magnolia Park is about 0.7 miles away.
Where is the nearest grocery store to 1103 Elaina (Lot 44) Pl?+
Walmart Supercenter is about 0.3 miles away. The closest dining on record is New Realm Brewing Co. (0.3 mi).
Does 1103 Elaina (Lot 44) Pl have an HOA or condo association?+
Both — this unit carries a condo association fee and a separate HOA (property owners association) fee. Current amounts for each are shown in the facts section on this page. The association of record is The Retreat at Harbour View COA. Association amenities on record include: Clubhouse, Exercise Rm, Pool, Trash Pickup.
When was 1103 Elaina (Lot 44) Pl built?+
It was built in 2025, 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 Laurie Williamson · BHHS RW Towne Realty · REIN MLS #10618618

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.

1103 Elaina (Lot 44) Pl, Suffolk — photo

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

Call or text (757) 777-7577

1103 Elaina (Lot 44) Pl, Suffolk, Virginia 23435 · MLS #10618618 · 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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