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✓ Source: REIN MLS #10634308 · record updated May 20, 2026 · synced every 2 min · your inquiry is never resold
138 Creek Front LN #77, SUFFOLK VA 23435 - Main photo
4beds
3baths
3,289sqft
9days on market

138 Creek Front Ln #77, Suffolk, VA 23435

Off MarketResidential · built 2021 · THE RETREAT AT BENNETTS CREEK

Chapter · The Water

Life on the water

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

Frontage

Marsh ✓ VERIFIED

Source: REIN MLS listing record · waterfront features as listed

About this home

Largest of The Retreat models. This Blue Stone is a 4-bedroom 3 full bathroom 2 car garage open floor plan with first floor primary bedroom with oversized tiled shower. Large windows with an abundance of light make this condo feel like home. Custom plantation shutters, Closet Factory in 3 closets, whole house Generac generator, screened porch and extended custom patio are a few of Seller's upgrades.Community is designed on Bennett's Creek Shores with amenities including, pier, kayak launch, boat slips (day docking only) huge screened pavilion, club house with gym, pool and common areas for BBQ, entertaining and relaxing. Kayak to local dining and parks. Vacation like lifestyle year-round. Call for your private tour!

Listing courtesy of Sue Sanders · Real Broker LLC · REIN MLS #10634308

Facts & features

Type

Residential

Year built

2021

Price / sqft

$164

Condo fee

$400/mo

Taxes

$5,986/yr

County

Suffolk VA

Waterfront

Yes

MLS #

10634308

Condo association includes

ClubhouseExercise RmGround MaintPoolTrash Pickup

$400/mo condo fee · The Retreat at Bennetts Creek Condo Assn · per the REIN MLS listing record — confirm inclusions with the association.

Interior

Bedrooms
4
Full baths
3
Approx. sqft
3,289
Stories
2
Flooring
Carpet, Laminate/LVP
First-floor bed & full bath
Yes
Total rooms
8
Other rooms
1st Floor BR, 1st Floor Primary BR, Attic, Foyer, Loft, Office/Study, Pantry, Porch, Screened Porch, Utility Room
Appliances
Dishwasher, Disposal, Dryer Hookup, Microwave, Gas Range, Refrigerator, Washer Hookup
Equipment
Backup Generator, Cable Hookup, Ceiling Fan, Gar Door Opener

Construction & exterior

Style
2 Unit Condo, Contemp, Craftsman
Subtype
Attached
Foundation
Slab
Roof
Asphalt Shingle
Exterior
Fiber Cement
Pool
No Pool
Waterfront
Marsh

Utilities & systems

Heating
Forced Hot Air, Nat Gas
Cooling
Central Air
Water heater
Gas
Water
City/County
Sewer
City/County

Lot, parking & ownership

Subdivision
THE RETREAT AT BENNETTS CREEK
Unit / floor
1
Ownership
Condo
Garage
Yes
Parking
Garage Att 2 Car, 4 Space, Driveway Spc
Possession
SETTLEMENT
Disclosures
Common Interest Community, Disclosure Statement, Owner Agent, Related to Seller, Resale Certif Req

See more Suffolk waterfront homes.

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

138 Creek Front Lane #77 is a 4-bedroom, 3-bath, 3,289-square-foot home built in 2021 inside The Retreat at Bennetts Creek in Suffolk, Virginia. It offers generous space, modern construction, and easy access to two military installations — all in a waterfront-adjacent community.

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 Driver Elementary School. Nearby, look at Bennett's Creek 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

Built in 2021, this home gives you the kind of square footage — 3,289 feet across four bedrooms and three full baths — that newer construction in this price range rarely delivers. The Retreat at Bennetts Creek is a planned community with a cohesive, well-maintained feel, and the address puts Bennett's Creek Park and a boat ramp less than a mile from your front door. For a household that needs both space and proximity to the water, this address checks both boxes.

THE RETREAT AT BENNETTS CREEK and the Suffolk real estate market

The Retreat at Bennetts Creek sits in the northern reaches of Suffolk, Virginia, a city that consistently draws buyers searching for homes for sale in Suffolk Virginia because of its blend of open land, newer development, and surprisingly short commutes to Hampton Roads' major employment corridors. The neighborhood itself has a quiet, established feel despite being built out relatively recently — wide streets, thoughtful landscaping, and a community character that leans toward families and professionals who want room to breathe without sacrificing convenience. Suffolk is Virginia's largest city by land area, and that geography means you get genuine elbow room here. The Retreat at Bennetts Creek in particular benefits from its proximity to the creek and surrounding green space, giving the whole area a slightly tucked-away quality that residents tend to value deeply. You're in Nansemond County territory, with easy access north toward Chesapeake and east toward Portsmouth and Norfolk.

What's nearby

Everyday errands are genuinely easy from 138 Creek Front Lane. Food Lion is just 0.2 miles away, so grocery runs take minutes rather than a planned trip. Hong Kong Restaurant and Domino's Pizza are at that same distance when you want a quick dinner without cooking. Burger King is half a mile out for fast mornings on the go. If fitness is part of your routine, Moe Muscle gym is 0.8 miles away. The real standout nearby is Bennett's Creek Park and Boat Ramp at 0.7 miles — a public park with water access that makes weekends feel like a lifestyle upgrade rather than a commute.

For different buyers

Base commute and VA loan notes

NSA Northwest Annex is a 14-minute drive from 138 Creek Front Lane, and Naval Medical Center Portsmouth is roughly 20 minutes out — both well within the range most military households target when relocating. The 3,289 square feet and four bedrooms give a growing family real room to settle in, and VA loan financing is a natural fit for this type of newer construction. BAH rates in the Suffolk area have historically supported this price tier comfortably.

Room to grow

If your current home feels like it's running out of room, 3,289 square feet across four bedrooms and three full baths is a meaningful step up. Built in 2021, the systems are young and the finishes are current — which means you're upgrading into space without inheriting a renovation list. Add a park with a boat ramp less than a mile away, and the lifestyle shift is real. This is the kind of address where houses for sale suffolk virginia searches tend to end.

More buyer questions

How far is 138 Creek Front Lane from NSA Northwest Annex?

NSA Northwest Annex is approximately 14 minutes by car from 138 Creek Front Lane, making it one of the closer residential options to that installation in the Suffolk area.

How far is 138 Creek Front Lane from Naval Medical Center Portsmouth?

Naval Medical Center Portsmouth is about 20 minutes from this address via Route 17 and I-664, a manageable daily commute for medical staff or assigned personnel.

What is the flood zone status for 138 Creek Front Lane in Suffolk?

Flood zone information for this address is displayed in the FloodRisk tile on this page — check that section for the current FEMA designation and any associated insurance considerations.

Is The Retreat at Bennetts Creek an HOA community?

Yes, The Retreat at Bennetts Creek is governed by a homeowners association; your agent can provide the current HOA documents and any applicable community rules during the due-diligence period.

Where is the nearest park or outdoor access to 138 Creek Front Lane?

Bennett's Creek Park and Boat Ramp is 0.7 miles from the address, offering public green space and direct water access to Bennett's Creek — a genuine amenity for boating, kayaking, or simply getting outside.

Want to walk through 138 Creek Front Lane or get your questions answered? Tom and Dariya Milan at LPT Realty know this neighborhood well — reach out and let's set something up.

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

How Far Is?

Driving distance by road and typical drive time via Google Maps, to the nearest location of each. Straight-line distances in “What’s nearby” are shorter.

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

Suffolk$455K – $625K4+ 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

18.6 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\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 C

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

Explore this neighborhood

Bennett's Creek

Bennett's Creek is a part of North Suffolk. It follows its namesake tidal creek and the Nansemond River. The water shapes the whole setting.

$428K

Median sale · 12 mo

$213

Sold $/sq ft

32d

Days on market

41

For sale now

$127K

HH income

68.7%

Owner-occupied

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

Explore Bennett's Creek →
Map of Bennett's Creek with neighborhood boundaryNeighborhood

houses for sale in Suffolk →

Location intelligence

What's nearby

Location & Neighborhood

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

Military Commute

Drive times to nearest bases

NMCP

Navy

19min·12.9mi

J7 Suffolk

Joint

19min·11.6mi

NSA HR

Navy

32min·18.5mi

USCG Portsmouth

Coast Guard

20min·15.2mi

NNSY

Navy

21min·14mi

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

Payment 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

$3,458/mo

Principal & interest

$2,801

Property tax

$499

Home insurance

$157

PMI

None

HOA/Condo (paid separately)

$400

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

Comparables

Price context — similar nearby homes

$650,000 – $760,000

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.

158 Long Cove DR · 1.1 mi · 3,333 sqft$715,000 sold 2026-05
119 Beacon RN · 1.4 mi · 3,196 sqft$650,000 sold 2026-04
206 Selby CT · 1.6 mi · 3,270 sqft$760,000 sold 2026-07

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

Sale & Tax History

List Price

$539,900

Price / Sq Ft

$164

Annual Taxes

$5,986

Monthly Tax

$499

Condo fee

$400 / mo

Tax Rate (effective)

1.11%

Sale Timeline (this listing)

EventDatePriceDetail
ListedJul 26, 2026$539,900—
Currently listed—$539,900—

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.

Questions buyers ask

Is 138 Creek Front Ln #77 in a good school zone?+
The assigned zones on the listing record are Florence Bowser Elementary, John F. Kennedy Middle (VaHome School Score 3.4/10), Nansemond River (VaHome School Score 5.5/10). School attendance zones can change — always confirm enrollment with the local school division.
Is 138 Creek Front Ln #77 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 138 Creek Front Ln #77?+
Yes — Moe Muscle is about 0.8 miles away, per the cached nearby-places record for this address.
Are there parks near 138 Creek Front Ln #77?+
Bennett's Creek Park & Boat Ramp is about 0.7 miles away.
Where is the nearest grocery store to 138 Creek Front Ln #77?+
Food Lion is about 0.2 miles away. The closest dining on record is Hong Kong Restaurant (0.2 mi).
Is 138 Creek Front Ln #77 a waterfront property?+
Yes. The listing record shows: Marsh.
Does 138 Creek Front Ln #77 have a condo association?+
Yes — condo association fees are on record for this unit (the current amount is shown in the facts section on this page). The association of record is The Retreat at Bennetts Creek Condo Assn. Association amenities on record include: Clubhouse, Exercise Rm, Ground Maint, Pool, Trash Pickup.
When was 138 Creek Front Ln #77 built?+
It was built in 2021, 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

Listing courtesy of Sue Sanders · Real Broker LLC · REIN MLS #10634308

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.

138 Creek Front Ln #77, Suffolk — photo

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

Call or text (757) 777-7577

138 Creek Front Ln #77, Suffolk, Virginia 23435 · MLS #10634308 · 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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