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Cape CharlesCAPE CHARLES146 Golden Bear Cir✓ Source: REIN MLS #10638696 · record updated Jul 6, 2026 · synced every 2 min · your inquiry is never resold
146 Golden Bear CIR, CAPE CHARLES VA 23310 - Main photo
146 Golden Bear CIR, CAPE CHARLES VA 23310 - Photo 2
146 Golden Bear CIR, CAPE CHARLES VA 23310 - Photo 3
146 Golden Bear CIR, CAPE CHARLES VA 23310 - Photo 4
146 Golden Bear CIR, CAPE CHARLES VA 23310 - Photo 5
4beds
3.1baths
2,432sqft
79days on market

146 Golden Bear Cir, Cape Charles, VA 23310

ActiveResidential · built 2026 · CAPE CHARLES

Facts & features

Type

Residential

Year built

2026

Price / sqft

$524

HOA fee

$221/mo

Taxes

$10,875/yr

County

Northampton County VA

MLS #

10638696

HOA association includes

ClubhouseExercise RmGated CommunityGolfPoolRV StorageTennis Cts

$221/mo HOA fee · n/a · per the REIN MLS listing record — confirm inclusions with the association.

Interior

Bedrooms
4
Full baths
3
Half baths
1
Approx. sqft
2,432
Stories
2
Flooring
Ceramic, Wood
First-floor bed & full bath
Yes
Total rooms
10
Appliances
Dishwasher, Dryer Hookup, Range, Washer Hookup

Construction & exterior

Style
Contemp
Subtype
Detached
Foundation
Other
Roof
Composite
Exterior
Fiber Cement
Pool
No Pool

Utilities & systems

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

Lot, parking & ownership

Subdivision
CAPE CHARLES
Ownership
Fee Simple
Garage
Yes
Parking
Garage Att 2 Car
Possession
AT SETTLEMENT
Disclosures
Disclosure Statement

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

About this home

The Shoal Creek by Bay Creek Homes, built by Virginia Builders, is a masterclass in modern farmhouse elegance. This thoughtfully designed floor plan features a striking front porch and clean, vertical board-and-batten accents that create an immediate sense of home. The main level is the heart of the residence, centered around a chef's kitchen with a massive social island that flows seamlessly into the bright family room and a charming morning room. The primary suite serves as a true sanctuary, complete with a spa-inspired bath, a deep soaking tub, and an expansive walk-in closet. A versatile secondary bedroom and a dedicated laundry-to-garage transition complete the first floor. Upstairs, a massive loft offers endless possibilities for a media room or play area, flanked by two additional large bedrooms and a shared bath. Coastal charm meets sophisticated functionality in the Shoal Creek! Home Under Construction - all images & furniture, are computer renderings and for illustration.

Listing courtesy of Bean Stringfellow · Bay Creek Realty LLC · REIN MLS #10638696

Tom & Dariya's overview

Our read on this home

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

At a glance

A brand-new 2026-built home on Golden Bear Circle brings four bedrooms, three and a half baths, and 2,432 square feet to one of Virginia's most charming small-town addresses — steps from Cape Charles's walkable downtown, the bay, and a genuinely distinctive coastal lifestyle.

Read the full overview ↓

Why this home stands out

Built in 2026, this home arrives with everything fresh — systems, finishes, and structure — in a town that rarely sees new construction this close to its historic core. Golden Bear Circle sits inside Bay Creek, Cape Charles's master-planned community, which means you get resort-caliber amenities alongside the kind of small-town walkability that most new builds can only approximate. Four bedrooms and 3.5 baths give a family real room to spread out without sacrificing that coastal cottage scale.

About the Cape Charles real estate market

Cape Charles, Virginia is one of the Eastern Shore's best-kept secrets — a late-19th-century railroad town with a grid of tree-lined streets, a working harbor, and a genuine downtown that rewards walking. Golden Bear Circle sits within Bay Creek, a gated golf and marina community that wraps around the town's western edge along the Chesapeake Bay. Residents here move between two worlds: the resort side, with Arnold Palmer and Jack Nicklaus Signature golf courses, a private beach club, and marina access, and the town side, where Mason Avenue's boutiques, galleries, and restaurants are a short stroll away. Cape Charles is in Northampton County, on Virginia's Eastern Shore, roughly two hours from Richmond and Norfolk. The pace is slower here — deliberately so — and the sunsets over the bay are the kind of thing people rearrange their evenings around.

What's nearby

Daily life at 146 Golden Bear Circle is genuinely walkable. Gull Hummock Gourmet Market and Drizzles Oil & Vinegar Tasting Store both sit within two-tenths of a mile for specialty grocery runs, and dinner options are just as close — E&O Pub, El Soul, and Cravings are all within easy walking distance. Morning coffee choices are almost embarrassingly good: The Almeta, Cape Charles Coffee House, and Edible Picasso are all a short walk away. Central Park anchors the neighborhood green space at 0.2 miles, while Cape Charles Natural Area Preserve and Cape Charles Coastal Habitat Natural Area Preserve offer quieter nature escapes under a mile out. Sky's The Limit Yoga Co is 0.6 miles away for movement and mindfulness.

For different buyers

For military families relocating

Joint Base Langley-Eustis runs about 46 minutes from Cape Charles — a commute that trades congestion for scenery along the Chesapeake Bay Bridge-Tunnel. Families comparing options near Langley often find that the Eastern Shore's lower density and slower pace make the drive worthwhile, especially when the home itself is brand-new and the town feels like a permanent vacation.

For buyers drawn to character

If you've been searching for something that doesn't look or feel like every other new build, Golden Bear Circle delivers. Cape Charles has a distinct architectural identity — Victorian-era streetscapes, front porches, and a harbor that still works — and Bay Creek adds resort infrastructure without erasing any of it. This is new construction with genuine surroundings, in a town that people discover and then quietly never want to leave.

More buyer questions

How far is 146 Golden Bear Circle from Joint Base Langley-Eustis?

The drive from Cape Charles to Joint Base Langley-Eustis runs approximately 46 minutes under normal conditions, crossing the Chesapeake Bay Bridge-Tunnel. The route is scenic and largely free of the stop-and-go traffic common around Hampton Roads bases.

What community amenities come with living in Bay Creek?

Bay Creek is a master-planned community offering two Signature golf courses (Arnold Palmer and Jack Nicklaus designs), a private beach club on the Chesapeake Bay, a marina, resort pool, and miles of trails — all within the community footprint.

Is 146 Golden Bear Circle in a flood zone?

Flood zone status for this address is detailed in the dedicated FloodRisk tile on this page, which pulls current FEMA map data. Given Cape Charles's Chesapeake Bay location, reviewing that tile carefully is recommended.

What is the walkability like around Golden Bear Circle?

Walkability here is unusually strong for a small coastal town — grocery, coffee, restaurants, and Central Park are all within two-tenths of a mile, and Cape Charles's historic downtown on Mason Avenue is reachable on foot in minutes.

Does 146 Golden Bear Circle have an HOA?

Yes, Bay Creek is a managed community with a homeowners association. HOA coverage and rules are disclosed in the listing documents; fee amounts are not published here but are available through the listing.

Tom and Dariya Milan at LPT Realty know Cape Charles and Bay Creek well — reach out to get your questions answered and arrange a visit to Golden Bear Circle.

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

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

Cape Charles$1.1M – $1.5M4+ beds

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Schools

VaHome School Score

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

  • ElementaryKiptopeke Elementary
  • MiddleOther Middle School
  • HighNorthampton

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 51131C

Flood Risk

Looking up FEMA flood zone…

Hurricane Evacuation Zone

Evacuation Zone A

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

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

Homes at this tier often trade in cash or portfolio financing — the calculator below shows a financed view; taxes are from the public record.

Estimate your monthly payment

$7,894/mo

Principal & interest

$6,616

Property tax

$906

Home insurance

$372

PMI

None

HOA/Condo (paid separately)

$221

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

$600,000$1,000,000

The 6 most similar homes nearby (same city, within ~20% of this size, ~2.5 mi; 4 sold). Context for judging the asking price — not an appraisal or an estimate of this home's value.

214 Muirfield Drive · 1 mi · 2,460 sqft$1,000,000 sold 2026-05
306 Bayside Avenue · 1.3 mi · 2,387 sqft$885,000 sold 2026-04
812 Turnberry Arch · 1.1 mi · 2,260 sqft$600,000 sold 2026-09

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

Sale & Tax History

List Price

$1,275,000

Price / Sq Ft

$524

Annual Taxes

$10,875

Monthly Tax

$906

HOA fee

$221 / mo

Tax Rate (effective)

0.85%

Sale Timeline (this listing)

EventDatePriceDetail
ListedMay 17, 2026$1,275,000
Currently listed$1,275,000

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:

Cape Charles Assessor (Google)

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

79 days on market — read it in context

Higher-priced homes market more slowly by nature: the buyer pool is smaller and diligence is heavier. Days-on-market at this tier is a rhythm, not a warning.

Questions buyers ask

Is 146 Golden Bear Cir in a good school zone?+
The assigned zones on the listing record are Kiptopeke Elementary, Other Middle School, Northampton. School attendance zones can change — always confirm enrollment with the local school division.
Is 146 Golden Bear Cir 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 146 Golden Bear Cir?+
Yes — Sky's The Limit Yoga Co is about 0.4 miles away, per the cached nearby-places record for this address.
Are there parks near 146 Golden Bear Cir?+
Central Park is about 0.2 miles away.
Where is the nearest grocery store to 146 Golden Bear Cir?+
Drizzles Oil & Vinegar Tasting Store is about 0 miles away. The closest dining on record is Edible Picasso (0 mi).
Does 146 Golden Bear Cir 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. Association amenities on record include: Clubhouse, Exercise Rm, Gated Community, Golf, Pool, RV Storage, Tennis Cts.
When was 146 Golden Bear Cir built?+
It was built in 2026, 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 Bean Stringfellow · Bay Creek Realty LLC · REIN MLS #10638696

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.

146 Golden Bear Cir, Cape Charles — photo

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

Call or text (757) 777-7577

146 Golden Bear Cir, Cape Charles, Virginia 23310 · MLS #10638696 · 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.