Norfolk › WILLOUGHBY BEACH › 1124 Little Bay Ave✓ Source: REIN MLS #10636352 · record updated Sep 23, 2026 · synced every 2 min · your inquiry is never resold

1124 Little Bay AVE, NORFOLK VA 23503 - Main photo

1124 Little Bay AVE, NORFOLK VA 23503 - Photo 2

1124 Little Bay AVE, NORFOLK VA 23503 - Photo 3

1124 Little Bay AVE, NORFOLK VA 23503 - Photo 4

1124 Little Bay AVE, NORFOLK VA 23503 - Photo 5

$560,000

$257 / sqft · est. $3,657/mo →

4beds

2.1baths

2,183sqft

123days on market

1124 Little Bay Ave, Norfolk, VA 23503

ActiveResidential · built 2014 · WILLOUGHBY BEACH

Facts & features

Type

Residential

Year built

2014

Price / sqft

$257

HOA

None

Taxes

$7,050/yr

County

Norfolk VA

MLS #

10636352

Interior

Bedrooms: 4
Full baths: 2
Half baths: 1
Approx. sqft: 2,183
Stories: 2
Flooring: Ceramic, Wood
Ensuite bedrooms: 1
First-floor bed & full bath: Yes
Total rooms: 9
Other rooms: 1st Floor Primary BR, PBR with Bath, Pantry, Porch
Appliances: Dishwasher, Disposal, Dryer, Microwave, Gas Range, Refrigerator, Washer
Equipment: Cable Hookup, Ceiling Fan, Gar Door Opener

Construction & exterior

Style: Contemp
Subtype: Detached
Foundation: Basement, Slab
Roof: Asphalt Shingle
Exterior: Vinyl
Pool: No Pool
Fencing: Back Fenced

Utilities & systems

Heating: Nat Gas
Cooling: Central Air
Water heater: Gas
Sewer: City/County

Lot, parking & ownership

Subdivision: WILLOUGHBY BEACH
Ownership: Fee Simple
Garage: Yes
Parking: Garage Det 1 Car, Off Street
Possession: CLOSING
Disclosures: Disclosure Statement

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

About this home

Coastal living at its best! Beautifully maintained home just one block from the beach in sought after Willoughby! These 4 BR/2.5 BA home features an open floor plan with 10ft ceilings, hardwood floors, and abundant natural light. First floor primary suite with walk-in closet and dual-head shower. Upstairs offers three spacious bedrooms plus a dedicated office/flex space. Enjoy a spacious, fenced backyard, detached garage, and plenty of room to relax and entertain. Thoughtfully designed for both convenience and security, the property features a remote-operated driveway gate leading to the garage in the backyard. Basement offers exceptional storage or potential flex space. Convenient to Naval Bases, interstate, shopping and local dining. Schedule your showing today.

Listing courtesy of Erika Congress · EXP Realty LLC · REIN MLS #10636352

Tom & Dariya's overview

Our read on this home

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

At a glance

1124 Little Bay Avenue is a four-bedroom, 2.1-bath home built in 2014 in Norfolk, Virginia. At 2,183 square feet, it offers modern construction just four minutes from Naval Station Norfolk. Beach access is a short walk away. This is one of the more compelling Norfolk homes for sale near the water.

Keep searching in Norfolk

See all Norfolk homes for sale, including homes for sale in 23503, homes for sale zoned for Granby High School, and homes for sale zoned for Ocean View Elementary School. Browse every listing among homes for sale in Norfolk — updated from the REIN MLS every few minutes. Nearby, look at Wards Corner homes for sale, Norfolk waterfront homes for sale, Norfolk condos and townhomes for sale, and new construction homes in Norfolk.

Read the full overview ↓

Why this home stands out

Most homes this close to Naval Station Norfolk were built decades ago. This one went up in 2014, which means updated systems, tighter construction, and a layout designed for the way people actually live today. Four bedrooms and 2.1 baths spread across 2,183 square feet give you real room to breathe. Add beach access at 12th View just 0.3 miles away, and the location becomes hard to match anywhere in the 23503 zip code.

WILLOUGHBY BEACH and the Norfolk real estate market

Little Bay Avenue sits in the Willoughby section of Norfolk, a compact waterfront community tucked between the Chesapeake Bay and the Lafayette River. The streets here are quiet and residential, lined with a mix of newer construction and established homes that have been updated over the years. Willoughby has a neighborhood feel that is rare this close to a major installation. Residents walk to the beach, grab dinner nearby, and still make it to base in minutes. Norfolk itself is one of the most connected cities on the East Coast. The city spans from the waterfront neighborhoods in the north to the urban core near downtown, with easy access to I-64, the Hampton Roads Bridge-Tunnel, and the Downtown Tunnel. Anyone comparing homes for sale in Norfolk will notice that few zip codes put you this close to both open water and major employment centers. The 23503 area, in particular, sits at a geographic sweet spot that makes daily life genuinely convenient.

What's nearby

Swell Charcoal Grill and Raw Bar is 0.3 miles away — a solid neighborhood spot for a weeknight dinner. The 7-Eleven at the same distance covers quick coffee and everyday essentials. Willoughby By The Bay is under a mile out when you want something a little more relaxed by the water. For outdoor time, 12th View Beach Access is a three-minute walk at 0.3 miles, and 13th View Street Beach Access adds another option just 0.5 miles away. Homes for sale in 23503 rarely put you this close to this many daily conveniences without a car.

For different buyers

Base commute and VA loan notes

Naval Station Norfolk is about four minutes by car from 1124 Little Bay Avenue. MARFORCOM Norfolk is equally close at four minutes. VA loan financing is widely used in this part of Norfolk, and the 2014 build year means the home is likely to clear a VA appraisal without the repair concerns that older stock can carry. That combination of commute time and financing ease is hard to find this close to the water.

Room to grow

Four bedrooms give you the flexibility to set up a dedicated home office, a guest room, and still have space left over. The 2.1-bath layout means a half-bath downstairs handles daily traffic without pulling from the full baths above. At 2,183 square feet, the floor plan has room for separate living and dining areas. A fenced yard or outdoor space this close to beach access adds another layer of usability to the lot.

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

Norfolk$475K – $645K4+ beds

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Schools

VaHome School Score

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

ElementaryOcean View Elementary School
2.4/10
MiddleNorthside Middle School
1.8/10
HighGranby High School
2.7/10

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 AE · base flood elevation 7 ft · Special Flood Hazard Area (flood insurance typically required) · FIRM 510104

Flood Risk (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 510104

High Risk

FEMA flood zone

AE (1% annual chance)

Base flood elevation

7 ft above sea level

Property elevation

3.8 ft above sea level

3.2 ft below BFE

USGS 3DEP digital elevation model

Special Flood Hazard Area — 1% annual chance of flooding. Federal flood insurance is required on most mortgages.

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.

Zone AE typically means lenders require flood insurance — factor it into the monthly numbers below.

Hurricane Evacuation Zone

Evacuation Zone A

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

Explore this neighborhood

Wards Corner

Wards Corner is a neighborhood of homes in Norfolk, Virginia. Tree-lined streets hold a mix of single-family houses and small multi-unit buildings.

For sale now

$74K

HH income

49%

Owner-occupied

U.S. Census ACS 2024 5-year

Explore Wards Corner →

Neighborhood

Norfolk houses 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

$3,657/mo

Down payment20% · $112,000

Interest rate6.75%

Loan term30 years

Principal & interest

$2,906

Property tax

$588

Home insurance

$163

PMI

None

HOA/Condo (paid separately)

None

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

Asking vs. assessment

98% of $573,200

City assessment record · taxes $7,050/yr

Land share of assessed value

22% — $125,400

Improvements $447,800 · assessor record ✓

Price context — similar nearby homes

$376,500 – $530,000

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.

169 Swanson RD · 2.2 mi · 2,250 sqft$449,500 sold 2026-05

104 W Bayview BLVD · 2.4 mi · 2,244 sqft$430,000 sold 2026-04

8526 Circle DR · 2.7 mi · 2,200 sqft$530,000 sold 2026-07

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

Sale & Tax History

List Price

$560,000

Price / Sq Ft

$257

Annual Taxes

$7,050

Monthly Tax

$588

HOA

None

Tax Rate (effective)

1.26%

Sale Timeline (this listing)

Event	Date	Price	Detail
Listed	May 24, 2026	$560,000	—
Price reduced	Sep 23, 2026	$560,000	−$19,000
Currently listed	—	$560,000	—

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

Asking near assessment

Total Assessed

$573,200

Land

$125,400

Improvement

$447,800

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:

Norfolk 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

123 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 1124 Little Bay Ave in a good school zone?+

The assigned zones on the listing record are Ocean View Elementary (VaHome School Score 2.4/10), Northside Middle School (VaHome School Score 1.8/10), Granby (VaHome School Score 2.7/10). School attendance zones can change — always confirm enrollment with the local school division.

Is 1124 Little Bay Ave in a flood zone?+

FEMA maps this parcel in Zone AE with a base flood elevation of 7 ft — a high-risk flood band where lenders typically require flood insurance. See the flood section on this page for the full details and sources, and verify with an elevation certificate.

Are there parks near 1124 Little Bay Ave?+

12th View- Beach Access is about 0.2 miles away.

Does 1124 Little Bay Ave have an HOA?+

No — there are no HOA, condo, or association dues on the listing record for this property.

When was 1124 Little Bay Ave built?+

It was built in 2014, 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

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 Erika Congress · EXP Realty LLC · REIN MLS #10636352

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.

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Call or text (757) 777-7577

1124 Little Bay Ave, Norfolk, Virginia 23503 · MLS #10636352 · 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.

✆

1124 Little Bay Ave, Norfolk, VA 23503

Facts & features

About this home

Our read on this home

Why this home stands out

WILLOUGHBY BEACH and the Norfolk real estate market

What's nearby

For different buyers

Base commute and VA loan notes

Room to grow

More buyer questions

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

Schools

Flood & environment

🌊 Flood Risk (FEMA)

Hurricane Evacuation Zone

Wards Corner

Minutes to real places, not a score

Location & Neighborhood

Military Commute

Run the real carrying cost

Estimate your monthly payment

Judge value on real ground

Sale & Tax History

Sale Timeline (this listing)

Public-Records Assessment

Comparable Properties

123 days on market — read it in context

Questions buyers ask

You'll talk to a person, not a lead queue

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

Flood Risk (FEMA)