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Poquoson › ISLAND COVE › 12 Elm St✓ Source: REIN MLS #10644294 · record updated Jul 15, 2026 · synced every 2 min · your inquiry is never resold
12 Elm ST, POQUOSON VA 23662 - Main photo
12 Elm ST, POQUOSON VA 23662 - Photo 2
12 Elm ST, POQUOSON VA 23662 - Photo 3
12 Elm ST, POQUOSON VA 23662 - Photo 4
12 Elm ST, POQUOSON VA 23662 - Photo 5
$599,999
$228 / sqft · est. $3,802/mo →
4beds
2.1baths
2,635sqft
0days on market

12 Elm St, Poquoson, VA 23662

New ListingResidential · built 2014 · ISLAND COVE

Chapter · The Water

Life on the water

The waterfront is the reason this home exists. Its water record, straight from the listing: Pond.

Frontage

Pond ✓ VERIFIED

Source: REIN MLS listing record · waterfront features as listed

About this home

The listing, in the seller's words

Welcome to the quintessential All-American home in highly sought-after Island Cove! Perfectly situated at the end of a quiet cul-de-sac with water views, this beautifully maintained home offers a blend of comfort, style, and small-town charm. Located behind Poquoson High, you'll love hearing Friday night football games in the fall and enjoying the vibrant sense of community year-round. The open-concept floor plan features a spacious kitchen with a large center island, granite countertops, stainless appliances, gas range, and cabinetry, flowing seamlessly into the inviting family room with a cozy gas fireplace and custom shiplap built-ins. Hardwood floors, a loft, and ceramic tile add timeless appeal. Step outside on your deck overlooking the water, complete with a privacy fence—great for entertaining or relaxing. Enjoy the lifestyle that makes Poquoson so special, with top-rated schools, neighborhood events, parks, boating, and everything this close-knit waterfront town has to offer!

Listing courtesy of Craig McLellon · EXP Realty LLC · REIN MLS #10644294

Schools

Info provided by GreatSchools

Facts & features

The record, sourced

Type

Residential

Year built

2014

Price / sqft

$228

HOA fee

$50/mo

Taxes

$5,567/yr

County

Poquoson VA

Waterfront

Yes

MLS #

10644294

Interior

Bedrooms
4
Full baths
2
Half baths
1
Approx. sqft
2,635
Stories
2
Flooring
Carpet, Ceramic, Wood
Other rooms
Breakfast Area, Foyer, Pantry, Porch
Appliances
Dishwasher, Disposal, Dryer Hookup, Microwave, Gas Range, Refrigerator, Washer Hookup

Construction & exterior

Style
Traditional
Subtype
Detached
Foundation
Crawl
Roof
Asphalt Shingle
Exterior
Brick,Vinyl
Pool
No Pool
Fencing
Back Fenced,Privacy
Waterfront
Pond

Utilities & systems

Heating
Forced Hot Air
Cooling
Central Air
Water heater
Electric
Water
City/County
Sewer
City/County

Lot, parking & ownership

Subdivision
ISLAND COVE
Zoning
RES
Ownership
Fee Simple
Garage
Yes
Parking
Garage Att 2 Car, 4 Space, Off Street
Possession
AT CLOSING
Disclosures
Common Interest Community, Disclosure Statement

See more Poquoson waterfront homes.

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

Flood & environment

The flood answer first — quantified, not buried

FEMA flood zone AE · base flood elevation 8 ft · Special Flood Hazard Area (flood insurance typically required) · FIRM 510183

Flood Risk

Looking up FEMA flood zone…

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

Poquoson 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

$3,802/mo

Principal & interest

$3,113

Property tax

$464

Home insurance

$175

PMI

None

HOA

$50

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

$485,000 – $748,000

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.

56 N Lawson RD · 0.6 mi · 2,500 sqft$748,000 sold 2026-03
8 Martha CT · 0.7 mi · 2,529 sqft$485,000 sold 2026-04
7 Quail CV · 0.3 mi · 3,020 sqft$615,000 sold 2026-05

Sale & Tax History

List Price

$599,999

Price / Sq Ft

$228

Annual Taxes

$5,567

Monthly Tax

$464

HOA fee

$50 / mo

Tax Rate (effective)

0.93%

Sale Timeline (this listing)

EventDatePriceDetail
ListedJul 15, 2026$599,999—
Currently listed—$599,999—

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:

Poquoson 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

0 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

Real questions, answered from the record

Is 12 Elm St in a good school zone?+
The assigned zones on the listing record are Poquoson Elementary (GreatSchools 7/10), Poquoson Middle (GreatSchools 7/10), Poquoson (GreatSchools 7/10). School attendance zones can change — always confirm enrollment with the local school division.
Is 12 Elm St in a flood zone?+
FEMA maps this parcel in Zone AE with a base flood elevation of 8 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.
Is 12 Elm St a waterfront property?+
Yes. The listing record shows: Pond.
Does 12 Elm St 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 12 Elm St 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

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 Craig McLellon · EXP Realty LLC · REIN MLS #10644294

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

12 Elm St, Poquoson, Virginia 23662 · MLS #10644294 · 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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