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Chesapeake › POINT ELIZABETH › 3604 Harding Dr✓ Source: REIN MLS #10650231 · record updated Sep 8, 2026 · synced every 2 min · your inquiry is never resold
3604 Harding DR, CHESAPEAKE VA 23321 - Main photo
3604 Harding DR, CHESAPEAKE VA 23321 - Photo 2
3604 Harding DR, CHESAPEAKE VA 23321 - Photo 3
3604 Harding DR, CHESAPEAKE VA 23321 - Photo 4
3604 Harding DR, CHESAPEAKE VA 23321 - Photo 5
4beds
3.1baths
4,889sqft
15days on market

3604 Harding Dr, Chesapeake, VA 23321

Under ContractResidential · built 1973 · POINT ELIZABETH

Chapter · The Water

Life on the water

The waterfront is the reason this home exists. Its water record, straight from the listing: Deep Water, Deep Water Access, Dock, Navigable, Riparian Rights, River, Tidal.

Frontage

River · Tidal ✓ VERIFIED

Dock

Dock

Access

Deep-water access

Source: REIN MLS listing record · waterfront features as listed

Facts & features

Type

Residential

Year built

1973

Price / sqft

$183

HOA

None

Taxes

$8,985/yr

County

Chesapeake VA

Waterfront

Yes

MLS #

10650231

Interior

Bedrooms
4
Full baths
3
Half baths
1
Approx. sqft
4,889
Stories
2
Flooring
Carpet, Ceramic, Wood
Ensuite bedrooms
1
Total rooms
10
Other rooms
Attic, Breakfast Area, Foyer, Library, Loft, PBR with Bath, Porch, Utility Room
Appliances
Dishwasher, Disposal, Dryer, Dryer Hookup, Microwave, Elec Range, Refrigerator, Washer, Washer Hookup
Equipment
Cable Hookup, Ceiling Fan, Hot Tub, Jetted Tub
Accessibility
Main Floor Laundry

Construction & exterior

Style
Contemp
Subtype
Detached
Foundation
Crawl, Slab
Roof
Asphalt Shingle,Other
Exterior
Shingle,Wood
Pool
In Ground Pool
Fencing
Partial,Wood Fence
Waterfront
Deep Water,Deep Water Access,Dock,Navigable,Riparian Rights,River,Tidal
Deep-water access
Yes

Utilities & systems

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

Lot, parking & ownership

Lot size
1.4850
Subdivision
POINT ELIZABETH
Zoning
R15S
Ownership
Fee Simple
Garage
No
Parking
2 Space, Carport, Covered, Multi Car
Possession
SETTLEMENT
Disclosures
Disclosure Statement

See more Chesapeake waterfront homes.

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

About this home

Prepare to be captivated! With a cool, contemporary flair and a spectacular waterfront setting, this one-of-a-kind residence is truly unlike anything else. Positioned on a coveted cul-de-sac with sweeping 270-degree views of the Western Branch of the Elizabeth River, this 4-bedroom, 3.5-bath contemporary home is an entertainer's dream and private retreat in one. With 4,889 sq ft of living space, soaring ceilings, expansive windows for tons of natural light, 3 fireplaces, high-end appliances, (ice maker as is), and a steam-shower create an atmosphere of effortless sophistication. Lush landscaping and an inground pool near the river is a rarity! Designed for unforgettable gatherings, sunset cocktails, or peaceful mornings by the water. Freshly painted inside and out, new 2026 architectural shingle roof, new hot water heater, and newer HVAC systems. Highly desired schools. Recent home inspection for serious buyers. Clear Termite & Moisture Inspection provided at closing.

Listing courtesy of Lisa Hughes · BHHS RW Towne Realty · REIN MLS #10650231

Tom & Dariya's overview

Our read on this home

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

At a glance

This four-bedroom, three-bath home sits on a spacious lot in Chesapeake, offering over 4,800 square feet of living space. Built in 1973, it combines classic proportions with room to spread out. You're just nine minutes from Naval Medical Center Portsmouth, making it convenient for base commuters.

Keep searching in Chesapeake

See all Chesapeake homes for sale, including homes for sale in 23321, homes for sale zoned for Western Branch High School, and homes for sale zoned for Western Branch Primary School. Browse every listing among homes for sale in Chesapeake — updated from the REIN MLS every few minutes. Nearby, look at Western Branch 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

The 4,889-square-foot layout gives you genuine space—four bedrooms, three full baths plus a half bath, and a lot sized for privacy and outdoor projects. The 1973 construction means solid bones and a floor plan built for living, not cramped efficiency. Whether you're looking to expand, create a home office, or simply enjoy elbow room, the square footage and land here deliver without the premium price tag.

POINT ELIZABETH and the Chesapeake real estate market

Chesapeake is Virginia's largest city by land area, blending suburban comfort with rural character. This address sits in a quiet residential pocket where tree-lined streets and established homes define the block. The neighborhood feels settled and peaceful—the kind of block that anchors homes for sale in 23321. Chesapeake itself spreads across the southeastern corner of Hampton Roads, with easy routes to downtown Norfolk, Virginia Beach, and the military bases that anchor the region. Daily errands—grocery, pharmacy, dining—cluster nearby on major corridors. Getting around is straightforward: local roads connect to US Route 17 and I-664, so you're never far from wherever you need to be.

What's nearby

Naval Medical Center Portsmouth is about nine minutes away, and USCG Base Portsmouth sits roughly eleven minutes out. For everyday stops, you have grocery and pharmacy options within five minutes. Coffee shops, casual dining, and hardware stores line the nearby commercial strips. A few parks and green spaces sit within a short drive, offering room to walk or play. The neighborhood itself is quiet and car-dependent, typical of this part of Chesapeake.

For different buyers

Base commute and VA loan notes

Nine minutes to Naval Medical Center Portsmouth puts you in easy commute range for medical personnel and their households. VA loan financing is widely available in this price range and neighborhood. The four-bedroom layout and established lot mean you can move in and settle without immediate renovations—a practical advantage for anyone with a tight transfer timeline.

Room to grow

Four bedrooms and three-plus baths give you the room to grow without moving again soon. A nearly 4,900-square-foot footprint means separate spaces for a home office, guest room, or playroom. The lot is large enough for a yard project, garden, or outdoor living area. Storage and square footage per person are genuine perks here.

More buyer questions

How far is 3604 Harding Drive from Naval Medical Center Portsmouth?

About nine minutes by car, depending on traffic and your exact route. It's one of the shorter commutes to the base from this part of Chesapeake.

What school zones apply to this address?

This address falls within the attendance zones for homes for sale zoned for Western Branch Primary School and homes for sale zoned for Western Branch High School.

How much land comes with the property?

The lot is spacious and established, typical of 1970s-era Chesapeake homes. Exact dimensions are available through a property survey or your real estate agent.

Is there a homeowners association?

Many homes in this neighborhood operate independently without HOA restrictions. Confirm HOA status with your agent before making an offer.

What makes this home different from other Chesapeake homes for sale?

The combination of four bedrooms, nearly 4,900 square feet, and a large lot is rare at this price point. Most newer builds sacrifice lot size; this one doesn't.

Ready to explore 3604 Harding Drive? Contact Tom & Dariya Milan at LPT Realty to schedule a tour and see the space for yourself.

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

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

Chesapeake$760K – $1M4+ 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 510034

Flood Risk

Looking up FEMA flood zone…

Hurricane Evacuation Zone

Evacuation Zone B

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

Explore this neighborhood

Western Branch

Western Branch is a home neighborhood in Chesapeake, Virginia. It has tree-lined streets and a mix of single-family homes. The area shares the wider suburban feel of Chesapeake.

$400K

Median sale · 12 mo

$202

Sold $/sq ft

33d

Days on market

56

For sale now

$95K

HH income

72%

Owner-occupied

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

Explore Western Branch →
Map of Western Branch with neighborhood boundaryNeighborhood

Chesapeake 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

$5,654/mo

Principal & interest

$4,644

Property tax

$749

Home insurance

$261

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 & history

Judge value on real ground

Asking vs. assessment

101% of $889,600

City assessment record · taxes $8,985/yr

Land share of assessed value

31% — $280,000

Improvements $609,600 · assessor record ✓

Price context — similar nearby homes

$725,000 – $1,300,000

The 6 most similar homes nearby (same city, within ~20% of this size, ~2.5 mi; 5 sold). Context for judging the asking price — not an appraisal or an estimate of this home's value.

3117 Harvesttime CRES · 0.5 mi · 4,683 sqft$745,000 sold 2026-06
2804 Lilley Cove DR · 1.1 mi · 5,099 sqft$1,300,000 sold 2026-04
3000 Miars GRN · 1.4 mi · 4,680 sqft$965,000 sold 2026-09

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

Sale & Tax History

List Price

$895,000

Price / Sq Ft

$183

Annual Taxes

$8,985

Monthly Tax

$749

HOA

None

Tax Rate (effective)

1.00%

Sale Timeline (this listing)

EventDatePriceDetail
ListedAug 24, 2026$895,000—
Price reducedSep 2, 2026$895,000−$40,000
Currently listed—$895,000—

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

Asking near assessment

Total Assessed

$889,600

Land

$280,000

Improvement

$609,600

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.

Questions buyers ask

Is 3604 Harding Dr in a good school zone?+
The assigned zones on the listing record are Western Branch Primary, Western Branch Middle (VaHome School Score 6.7/10), Western Branch (VaHome School Score 6.2/10). School attendance zones can change — always confirm enrollment with the local school division.
Is 3604 Harding Dr 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 3604 Harding Dr a waterfront property?+
Yes. The listing record shows: Deep Water,Deep Water Access,Dock,Navigable,Riparian Rights,River,Tidal.
Does 3604 Harding Dr have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 3604 Harding Dr built?+
It was built in 1973, 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 Lisa Hughes · BHHS RW Towne Realty · REIN MLS #10650231

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.

3604 Harding Dr, Chesapeake — photo

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

Call or text (757) 777-7577

3604 Harding Dr, Chesapeake, Virginia 23321 · MLS #10650231 · 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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