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ChesapeakePOINT ELIZABETH3809 Harding Dr✓ Source: REIN MLS #10622687 · record updated Apr 27, 2026 · synced every 2 min · your inquiry is never resold
3809 Harding DR, CHESAPEAKE VA 23321 - Main photo
$473,000
$181 / sqft · est. $2,950/mo →
4beds
2.1baths
2,607sqft
24days on market

3809 Harding Dr, Chesapeake, VA 23321

SoldResidential · built 1978 · POINT ELIZABETH

Chapter · The Water

Life on the water

The waterfront is the reason this home exists. Its water record, straight from the listing: Canal, Deep Water Access, Tidal.

Frontage

Canal · Tidal ✓ VERIFIED

Access

Deep-water access

Source: REIN MLS listing record · waterfront features as listed

About this home

The listing, in the seller's words

Beautiful home in highly desirable Point Elizabeth! This charming 4 bedroom, 2.5 bath residence offers classic style, generous living spaces, and a serene setting on a large corner lot with tidal water views. Interior highlights include: an eat in kitchen with all appliances conveying, Formal living and dining rooms ideal for gatherings, a spacious family room featuring a cozy fireplace and built in bookcases, hardwood floors throughout the home, a primary bedroom with its own en suite full bath. Outdoor & structural features: a lovely screened in porch overlooking the expansive yard, two car garage, ample attic storage, LeafGuard gutters installed in 2022, Roof replaced in October 2025. Perfectly situated near shipyards, tunnels, fine dining, interstates, and medical facilities, this home blends convenience with comfort. Don't miss your chance to see this one today!

Listing courtesy of Evelyn Thomas · CENTURY 21 Nachman Realty · REIN MLS #10622687

Schools

Info provided by GreatSchools

Facts & features

The record, sourced

Type

Residential

Year built

1978

Price / sqft

$181

HOA

None

Taxes

$4,293/yr

County

Chesapeake VA

Waterfront

Yes

MLS #

10622687

Interior

Bedrooms
4
Full baths
2
Half baths
1
Approx. sqft
2,607
Stories
2
Flooring
Ceramic, Laminate/LVP, Wood
Ensuite bedrooms
1
First-floor bed & full bath
Yes
Total rooms
8
Other rooms
1st Floor BR, 1st Floor Primary BR, Attic, Breakfast Area, Fin. Rm Over Gar, Foyer, PBR with Bath, Porch, Screened Porch, Utility Room
Interior features
Fireplace Wood, Scuttle Access, Window Treatments
Appliances
Dishwasher, Disposal, Dryer, Elec Range, Refrigerator, Washer
Equipment
Attic Fan, Cable Hookup, Ceiling Fan, Gar Door Opener
Accessibility
Grab bars, Low Pile Carpet

Construction & exterior

Style
Ranch
Subtype
Detached
Foundation
Crawl
Roof
Asphalt Shingle
Exterior
Brick
Exterior features
Corner, Wooded
Pool
No Pool
Fencing
Back Fenced,Wood Fence
Waterfront
Canal,Deep Water Access,Tidal
Deep-water access
Yes

Utilities & systems

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

Lot, parking & ownership

Lot size
0.6400
Approx. acres
0.64
Subdivision
POINT ELIZABETH
Zoning
R15S
Ownership
Fee Simple
Garage
Yes
Parking
Garage Att 2 Car, Off Street, Driveway Spc, Street
Possession
SETTLEMENT
Disclosures
Disclosure Statement

See more Chesapeake waterfront homes.

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

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.

$388K

Median sale · 12 mo

$204

Sold $/sq ft

33d

Days on market

45

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

$2,950/mo

Principal & interest

$2,454

Property tax

$358

Home insurance

$138

PMI

None

HOA

None

Estimate only. 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

111% of $425,000

City assessment record · taxes $4,293/yr

Land share of assessed value

38% — $160,000

Improvements $265,000 · assessor record ✓

Why we show no algorithmic estimate.

National AVMs misprice homes whose value drivers they can't see. Instead: the sourced assessment above, the carrying cost, real price history, and honest comparables below.

Price context — similar nearby homes

$420,000$544,000

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.

3105 Deans CT · 0.4 mi · 2,714 sqft$515,000 sold 2026-07
3821 Cannon Point DR · 0.4 mi · 2,200 sqft$476,500 sold 2026-04
2645 Janson DR · 1.2 mi · 2,546 sqft$475,000 sold 2026-06

Sale & Tax History

List Price

$473,000

Price / Sq Ft

$181

Annual Taxes

$4,293

Monthly Tax

$358

HOA

None

Tax Rate (effective)

0.91%

Sale Timeline (this listing)

EventDatePriceDetail
ListedApr 15, 2026$473,000
SoldApr 22, 2026$473,000

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

11% above assessment

Total Assessed

$425,000

Land

$160,000

Improvement

$265,000

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:

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

Real questions, answered from the record

Is 3809 Harding Dr in a good school zone?+
The assigned zones on the listing record are Western Branch Primary, Western Branch Middle, Western Branch. School attendance zones can change — always confirm enrollment with the local school division.
Is 3809 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 3809 Harding Dr a waterfront property?+
Yes. The listing record shows: Canal,Deep Water Access,Tidal.
Does 3809 Harding Dr have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 3809 Harding Dr built?+
It was built in 1978, 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

LPT Realty · Hampton Roads · answer their own phone

✓ Your inquiry goes to Tom & Dariya — never sold to strangers

Listing courtesy of Evelyn Thomas · CENTURY 21 Nachman Realty · REIN MLS #10622687

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.

This home has sold

Curious what it means for your own plans? Ask about similar homes nearby, or what your home might sell for in this market.

3809 Harding Dr, Chesapeake — photo

This one's sold — the next one doesn't have to be.

3809 Harding Dr, Chesapeake, Virginia 23321 · MLS #10622687 · 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.