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ChesapeakePOINT ELIZABETH3604 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

3604 Harding Drive is a sprawling 4,889-square-foot, four-bedroom home in Chesapeake's 23321 zip code, built in 1973 and offering more than three and a half baths — all within nine minutes of two major military installations and a full lineup of everyday conveniences.

Read the full overview ↓

Why this home stands out

Nearly 4,900 square feet of living space is genuinely rare at this price point in western Chesapeake, and 3604 Harding Drive delivers it on a mature lot in an established neighborhood. Four bedrooms, three full baths, and a half bath give large households real breathing room. The 1973 construction era means solid bones and generous room proportions that newer builds rarely match — the kind of scale that makes everyday life feel unhurried.

POINT ELIZABETH and the Chesapeake real estate market

Harding Drive sits in the western reaches of Chesapeake, Virginia — a city that consistently ranks among the safest and most livable in the Mid-Atlantic. This corner of the 23321 zip code has a settled, tree-lined character: established homes, wide lots, and neighbors who tend to stay put for years. You're firmly in the Churchland corridor, a community that straddles the Chesapeake-Portsmouth line and carries a genuine small-town feel despite being minutes from everything. Chesapeake itself is the second-largest city by land area in the continental United States, which translates to breathing room, lower density, and a lifestyle that doesn't feel rushed. For families comparing homes for sale in Chesapeake, the western branch area offers a compelling mix of space, access, and neighborhood stability that's hard to replicate closer to the water.

What's nearby

Everyday errands are genuinely easy from 3604 Harding Drive. ALDI, Food Lion, and a BP are all within a mile, so a grocery run rarely takes more than ten minutes round-trip. When you'd rather let someone else cook, Billy D's Seafood & Chicken, Harvey's Hot Dogs, and Little Caesars Pizza are each about eight-tenths of a mile away. Coffee is covered by both JoJack's Espresso Bar & Cafe and Starbucks at the same distance. Fitness options are equally close — Full Potential Fitness and Wellness and the Portsmouth YMCA are 0.7 miles out, with Planet Fitness just a mile away. Churchland Little League Baseball Fields are right in the mix at 0.8 miles, making weekend mornings easy for baseball families.

For different buyers

For military families relocating

NSA Northwest Annex and Naval Medical Center Portsmouth are each nine minutes from the front door — a commute that keeps BAH working hard and leaves more time for the things that matter. The home's four bedrooms and nearly 4,900 square feet absorb PCS moves with ease, and a VA loan is a natural fit for a property at this scale. Military families who've lived in tight base housing will feel the difference the moment they walk in.

For families upgrading

If your current home has everyone on top of each other, 3604 Harding Drive is the answer. Close to 4,900 square feet means dedicated space for a home office, a playroom, a guest suite, and still room to spread out. Families comparing homes for sale zoned for Western Branch High School and homes for sale zoned for Western Branch Primary School will find this address puts both schools within reach while delivering the square footage that growing households actually need.

More buyer questions

How far is 3604 Harding Drive from NSA Northwest Annex?

The drive is approximately nine minutes under normal traffic conditions, making it one of the closer residential options to the base in this part of Chesapeake.

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

Naval Medical Center Portsmouth is also about nine minutes away, which is a notable convenience for medical staff and military families assigned there.

What zip code is 3604 Harding Drive in?

The property is in the 23321 zip code, which covers the western Chesapeake and Churchland corridor area — among the more sought-after addresses for families browsing homes for sale in 23321 who want space and accessibility in equal measure.

Is there an HOA at 3604 Harding Drive?

The neighborhood does not carry an HOA, which means no association fees, no architectural review boards, and full flexibility in how you use and personalize your property.

What is the flood zone status for 3604 Harding Drive?

Flood zone information for this address is detailed in the FloodRisk tile on this page — check there for the current FEMA designation and what it means for insurance requirements.

Tom and Dariya Milan at LPT Realty know this corner of Chesapeake well. Reach out to get the full picture on 3604 Harding Drive and what it takes to make it yours.

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

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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 residential neighborhood in Chesapeake, Virginia, characterized by tree-lined streets and a mix of single-family homes. The area reflects the broader suburban character of Chesapeake while maintaining its own distinct identity.

$400K

Median sale · 12 mo

$203

Sold $/sq ft

33d

Days on market

49

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

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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.