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✓ Source: REIN MLS #10657786 · record updated Nov 5, 2026 · synced every 2 min · your inquiry is never resold
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$279,725est. $1,740/mo all-in · adjust →
3beds
2.1baths
1,280sqft
$219per sqft
20days on market

1221 Commerce Ave, Chesapeake, VA 23324

Under ContractResidential · built 1910 · 0.07 acres · SOUTH NORFOLK · MLS #10657786

Price per sqft$219compare with nearby salesSchools
Oscar F. SmithHigh3.8
Oscar SmithMiddle2.4
Rena B. Wright PrimaryElementary—
VaHome School ScoreEst. payment$1,740/moall-in · 20% down · 6.75% · adjustPrice since listing…checking price historyFlood
Low / moderate riskZone X
flood insurance not requiredTaxes$2,484/yrfrom the public recordHOANoneno HOA fee on the MLS recordCondo feeNAnot a condo

OverviewAbout this home

A 2.75% ASSUMABLE MORTGAGE, UPDATED FEATURES, AND A FIRST-FLOOR PRIMARY SUITE! This Chesapeake home offers a combination of comfort, functionality, and potential financing advantages worth exploring. The bright, inviting kitchen features stainless steel appliances, updated cabinetry, and granite countertops, while water-resistant laminate flooring, ceramic tile, updated lighting, and ceiling fans add appeal throughout the home. The spacious first-floor primary suite features a vaulted ceiling, creating an open and relaxing retreat with an exceptional walk-in closet. Step outside to enjoy the deck and outdoor space, great for unwinding or entertaining, with the added convenience of a detached garage for parking, storage, or hobbies. If you're searching for an updated Chesapeake home with a first-floor primary suite and outdoor living space, this property deserves a closer look!

Listing courtesy of Benjamin Liskey · Own Real Estate LLC · REIN MLS #10657786

Facts & features

TypeResidential
Year built1910
Price / sqft$219
HOANone
Taxes$2,484/yr
CountyChesapeake VA
MLS #10657786

Interior

Bedrooms
3
Full baths
2
Half baths
1
Approx. sqft
1,280
Stories
2
Flooring
Ceramic, Laminate/LVP
First-floor bed & full bath
Yes
Total rooms
5
Appliances
Dishwasher, Disposal, Dryer, Microwave, Elec Range, Refrigerator, Washer

Construction & exterior

Style
Traditional
Subtype
Detached
Foundation
Sealed/Encapsulated Crawl Space
Roof
Asphalt Shingle
Exterior
Vinyl
Pool
No Pool
Fencing
Back Fenced,Wood Fence

Utilities & systems

Heating
Electric
Cooling
Central Air, Heat Pump
Water heater
Electric
Water
City/County
Sewer
City/County

Lot, parking & ownership

Lot size
0.0680
Subdivision
SOUTH NORFOLK
Zoning
RSFA1
Ownership
Fee Simple
Garage
Yes
Parking
Garage Det 1 Car, 2 Space
Possession
SETTLEMENT
Disclosures
Disclosure Statement

Sources: REIN MLS record

Tom & Dariya's overview

Our read on this home

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

At a glance

1221 Commerce Avenue is a three-bedroom, two-and-a-half-bath home in Chesapeake, Virginia, built in 1910 and offering 1,280 square feet of living space. Norfolk Naval Shipyard is about three minutes away. Daily errands, coffee, and green space are all within easy walking distance.

Keep searching in Chesapeake

See all Chesapeake homes for sale, including homes for sale in 23324, homes for sale zoned for Oscar Smith High School, and homes for sale zoned for Rena B. Wright Primary School. Nearby, look at South Norfolk homes for sale, Chesapeake waterfront homes for sale, Chesapeake condos and townhomes for sale, and new construction homes in Chesapeake.

Read the full overview ↓

Why this home stands out

Homes built in 1910 carry a character that newer construction simply cannot replicate. The bones here — the proportions, the craftsmanship, the way light moves through older windows — tell a story. At the same time, this address sits on one of the most convenient corridors in Chesapeake, with two major bases, multiple parks, and everyday stops all within half a mile. That combination of historic fabric and practical location is genuinely hard to find.

SOUTH NORFOLK and the Chesapeake real estate market

Commerce Avenue sits in a close-knit section of Chesapeake near the Portsmouth city line. The streets here are lined with early-twentieth-century homes, giving the blocks a grounded, established feel. Sidewalks connect neighbors to small local businesses and green space without needing a car. It is the kind of block that anchors homes for sale in 23324 to something real — a walkable, working neighborhood with roots. Chesapeake itself is one of the largest cities by land area in the country, yet this corner of it feels genuinely local. The city offers a full range of services, from major retail corridors along Battlefield Boulevard to waterfront recreation along the Elizabeth River. Getting around is straightforward, with quick access to I-64 and Route 17. Downtown Norfolk and Portsmouth are both reachable in under fifteen minutes. Anyone comparing Chesapeake homes for sale will notice how much variety the city holds — from rural farmland in the south to dense urban edges like this one in the north.

What's nearby

The Dog House restaurant is just 0.1 miles away — an easy walk for a quick bite. Dunkin' and McDonald's are both 0.2 miles out, so morning coffee is never a detour. Rich Port Coffee at 0.4 miles offers a local alternative worth the short trip. For groceries, In and Out Smoke Shop and Deli is 0.2 miles away, with Let's Be Free and Mr Food Mart both under a mile. James W. McNeil Park is 0.3 miles away for outdoor time, and Cascade Boulevard Park and Johnson Park are each about 0.4 miles out. RheuFit gym rounds out the walkable options at 0.9 miles.

For different buyers

Base commute and VA loan notes

Norfolk Naval Shipyard is about three minutes from this address — one of the shortest base commutes you will find among homes for sale in Chesapeake. USCG Base Portsmouth is four minutes away. VA loan financing is widely used in this zip code, and the home's age and price point make it a practical option for buyers using that benefit. Two bases this close means flexibility if orders change.

For first-time buyers

A 1910-built home at 1,280 square feet with three bedrooms and two and a half baths gives first-time buyers real space without overextending. The walkable location keeps daily costs manageable — coffee, groceries, and parks are all within half a mile. Anyone exploring homes for sale zoned for Oscar Smith High School and homes for sale zoned for Rena B. Wright Primary School will find this address falls within both school zones.

More buyer questions

How far is 1221 Commerce Avenue from Norfolk Naval Shipyard?

Norfolk Naval Shipyard is about three minutes from this address by car. That makes it one of the closest residential options to the base in the area.

How far is 1221 Commerce Avenue from USCG Base Portsmouth?

USCG Base Portsmouth is approximately four minutes away. Both bases are reachable without getting on a highway.

What is the flood zone status for 1221 Commerce Avenue?

Flood zone information for this property is displayed in the FloodRisk tile on this page. Review that section for the current FEMA designation.

Is there an HOA at 1221 Commerce Avenue?

This property does not have a homeowners association. There are no HOA dues or governing covenants tied to the address.

Where can I find parks near 1221 Commerce Avenue?

James W. McNeil Park is 0.3 miles away, and both Cascade Boulevard Park and Johnson Park are about 0.4 miles out. All three are walkable from the front door.

Want to see 1221 Commerce Avenue in person? Tom and Dariya Milan are ready to set up a walkthrough and answer every question you have.

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

Schools · VaHome School ScoreAssigned schools

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

HighOscar F. Smith High School
3.8/10
Down 0.2 from 2024–25
MiddleOscar Smith Middle School
2.4/10
Down 1.3 from 2024–25
ElementaryRena B. Wright Primary SchoolPK–2 · SOL testing starts in grade 3
—

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.

How Far Is?

Driving distance by road and typical drive time via Google Maps, to the nearest location of each.

Also nearby

Distances are straight-line (as the crow flies) from this property, not driving miles. Places within ~1 mile, nearest first. Powered by Google Places.

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

Chesapeake$235K – $325K3+ beds

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Military Commute

Drive times to nearest bases

NNSY

Navy

13min·4.7mi

USCG Portsmouth

Coast Guard

9min·2.2mi

NMCP

Navy

13min·5mi

USCG Finance Ctr

Coast Guard

15min·6.1mi

NS Norfolk

Navy

24min·16.9mi

Typical drive times from Google Maps, without live traffic. Rush hour and tunnel backups can add time.

Flood & environmentFlood risk (FEMA)

FEMA flood zone X · outside the high-risk area · FIRM 510034

Flood Risk (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 510034

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’t define a BFE here.

Property elevation

14.6 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’s National Flood Hazard Layer. Property elevation is sampled from a single point on the parcel using the USGS National Map elevation service — 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 neighborhoodSouth Norfolk

South Norfolk is one of Chesapeake's oldest urban areas. It is a historic borough at the city's north edge. The borough was laid out along the Southern Branch of the Elizabeth River.

$305KMedian sale · 12 mo
$193Sold $/sq ft
21dDays on market
32For sale now
$62KHH income
60.3%Owner-occupied

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

Explore South Norfolk →
Map of South Norfolk with neighborhood boundaryNeighborhood

homes for sale in Chesapeake, VA →

CostPayment calculator

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

$1,740/mo

Principal & interest

$1,451

Property tax

$207

Home insurance

$82

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 & historyComparables

Price context: similar nearby homes$177,000 – $335,000The 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.
1830 Candlelight DR · 2.1 mi · 1,257 sqft$177,000 sold 2026-09
4000 Hamilton ST · 2.1 mi · 1,235 sqft$335,000 sold 2026-05
1922 Candlelight DR · 2.1 mi · 1,377 sqft$290,000 sold 2026-05

Own a home nearby? See what it is worth today: What's your Chesapeake home worth?

Sale & Tax History

List Price

$279,725

Price / Sq Ft

$219

Annual Taxes

$2,484

Monthly Tax

$207

HOA

None

Tax Rate (effective)

0.89%

Sale Timeline (this listing)

EventDatePriceDetail
ListedOct 16, 2026$279,725—
Currently listed—$279,725—

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:

Chesapeake 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.

CompareThis home next to what else is for sale nearby

HomePriceBedsBathsSqft$ / sqft
1221 Commerce Avethis home$279,72532.11,280$219
Loading nearby homes for sale…

Active comparables from the REIN MLS, the same homes shown under Comparable Properties. Context for judging the asking price, not an appraisal.

Questions buyers ask

Is 1221 Commerce Ave in a good school zone?
The assigned zones on the listing record are Rena B. Wright Primary, Oscar Smith Middle (VaHome School Score 2.4/10), Oscar Smith (VaHome School Score 2.4/10). School attendance zones can change — always confirm enrollment with the local school division.
Is 1221 Commerce Ave 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 1221 Commerce Ave have an HOA?
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 1221 Commerce Ave built?
It was built in 1910, per the listing record.

Answers generated from the listing record, verified school zones, FEMA data, and cached nearby-places data. Never invented.

Tom and Dariya Milan

Tom & Dariya Milan | LPT Realty

See it in person with Tom & Dariya

We're local Hampton Roads Realtors. Pick a day and time; one of us confirms by text and meets you there. Prefer to talk first? Call or text (757) 777-7577.

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1221 Commerce Ave, Chesapeake, Virginia 23324 · MLS #10657786 · 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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