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Cape Charles › CAPE CHARLES › 146 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

Meet 146 Golden Bear Circle—a brand-new four-bedroom, three-bath home in Cape Charles with 2,432 square feet of modern living space. Built in 2026, it's ready for you to move in. You're steps from downtown shops, restaurants, and parks in one of Virginia's most charming waterfront towns.

Read the full overview ↓

Why this home stands out

This newly constructed home brings contemporary design and fresh finishes to a classic Cape Charles neighborhood setting. Four generous bedrooms and three full baths give you room to spread out, while the 2,432-square-foot layout flows naturally from living areas to outdoor space. Built to current standards, the home combines new-construction reliability with the walkable, vibrant character of Cape Charles—a rare pairing in the Eastern Shore.

About the Cape Charles real estate market

Cape Charles is a waterfront gem on Virginia's Eastern Shore, known for its tree-lined streets, locally owned shops, and genuine community feel. The downtown district buzzes with galleries, restaurants, and coffee spots—all within an easy walk. Golden Bear Circle sits in a residential pocket that balances quiet mornings with quick access to the action. The town itself is compact and walkable; you can reach the waterfront, parks, and main street on foot or a short bike ride. Cape Charles draws people who value small-town living without feeling isolated—you're about 90 minutes to Norfolk and roughly 46 minutes to Joint Base Langley-Eustis if you commute that direction. The Eastern Shore has its own rhythm: slower pace, strong local character, and a real sense of place. If you are comparing homes for sale in Cape Charles, note that new construction here is relatively uncommon, making this home stand out.

What's nearby

You're in the heart of Cape Charles's walkable core. Gull Hummock Gourmet Market and Drizzles Oil & Vinegar Tasting Store sit just two blocks away for groceries and specialty items. Coffee lovers have three options within steps: The Almeta, Cape Charles Coffee House, and Edible Picasso. Dining is equally close—E&O Pub, El Soul, and Cravings are all nearby. Central Park is a two-minute walk for outdoor time. For more expansive nature, Cape Charles Natural Area Preserve and Cape Charles Coastal Habitat Natural Area Preserve lie under a mile away. Sky's The Limit Yoga Co is about half a mile for fitness.

For different buyers

Base commute and VA loan notes

This home sits roughly 46 minutes from Joint Base Langley-Eustis, making it viable for a commute if you're stationed there. Virginia loan financing is widely available in the area. New construction means no surprises—the home features modern systems and current building standards. The Eastern Shore's slower pace and tight-knit community appeal to many who want a quieter home base.

Room to grow

Four bedrooms give each person their own space, while three full baths reduce morning conflicts. The 2,432-square-foot layout includes room to grow without feeling cramped. New construction means efficient design, good storage, and systems built to last. The walkable neighborhood lets kids and adults alike explore safely on foot.

More buyer questions

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

The home is roughly 46 minutes from Langley AFB, making it a reasonable commute for active-duty and civilian personnel stationed there.

What's within walking distance of this address?

You can walk to Central Park, three coffee shops, three restaurants, and two specialty grocery stores—all within two blocks. The entire downtown district is a short stroll away.

When was this home built?

The home was completed in 2026, so it features modern construction, current building codes, and new systems throughout.

Is Cape Charles a walkable town?

Yes. Cape Charles is compact and pedestrian-friendly, with shops, restaurants, parks, and the waterfront all accessible on foot or by bike.

Are there parks and outdoor spaces nearby?

Central Park is two blocks away for everyday recreation. Cape Charles Natural Area Preserve and Cape Charles Coastal Habitat Natural Area Preserve are under a mile away for hiking and nature walks.

Ready to explore 146 Golden Bear Circle? Reach out to Tom & Dariya Milan at LPT Realty to schedule a tour and learn more about this new Cape Charles home.

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

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.

  • 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 (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 51131C

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

6.9 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 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 – $1,137,000

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.

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.

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