Chesapeake › NORFOLK HIGHLANDS › 3820 Mcneal Ave✓ Source: REIN MLS #10648733 · record updated Aug 12, 2026 · synced every 2 min · your inquiry is never resold

3820 McNeal AVE, CHESAPEAKE VA 23325 - Main photo

3820 McNeal AVE, CHESAPEAKE VA 23325 - Photo 2

3820 McNeal AVE, CHESAPEAKE VA 23325 - Photo 3

3820 McNeal AVE, CHESAPEAKE VA 23325 - Photo 4

3820 McNeal AVE, CHESAPEAKE VA 23325 - Photo 5

$395,000

$216 / sqft · est. $2,410/mo →

3beds

2baths

1,826sqft

0days on market

3820 Mcneal Ave, Chesapeake, VA 23325

Name: 3820 McNeal AVE, Chesapeake, Virginia 23325
Brand: 1st Class Real Estate Flagship
Price: 395000 USD
Availability: InStock

New ListingResidential · built 1964 · NORFOLK HIGHLANDS

Chapter · The Water

Life on the water

The waterfront is the reason this home exists. Its water record, straight from the listing: Creek, Marsh.

Frontage

Creek · Marsh ✓ VERIFIED

Source: REIN MLS listing record · waterfront features as listed

About this home

The listing, in the seller's words

Discover the perfect blend of comfort, convenience, & waterfront living in this charming brick ranch situated on a spacious lot. Thoughtfully updated for peace of mind, this home features a new roof and gutters (2021), an upgraded Bosch HVAC system (2020), and a new water heater (2024). Enjoy added efficiency with a professionally encapsulated crawl space complete with a dehumidifier (2020), while beautiful hardwood floors enhance the bedrooms and hallway. The cozy wood-burning fireplace is equipped with an electric heat insert, providing warmth and ambiance year-round. Relax in the inviting four-season room, where you'll enjoy picturesque views of the expansive backyard and tranquil Indian River setting. Additional features include generator hook up for added security & convenience. Easy access to the interstate, beaches, shopping, dining, and more, this well-maintained home offers the perfect combination of updates w/ timeless charm.

Listing courtesy of Luke Nicolaison · 1st Class Real Estate Flagship · REIN MLS #10648733

Schools

VaHome School Score

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

ElementaryNorfolk Highlands Primary School
6.1/10
MiddleIndian River Middle School
3.5/10
HighIndian River High School
4.9/10

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.

Facts & features

The record, sourced

Type

Residential

Year built

1964

Price / sqft

$216

HOA

None

Taxes

$2,948/yr

County

Chesapeake VA

Waterfront

Yes

MLS #

10648733

Interior

Bedrooms: 3
Full baths: 2
Approx. sqft: 1,826
Stories: 1
Flooring: Carpet, Wood
Ensuite bedrooms: 1
First-floor bed & full bath: Yes
Total rooms: 8
Appliances: Dishwasher, Dryer Hookup, Range, Refrigerator, Washer Hookup

Construction & exterior

Style: Ranch
Subtype: Detached
Foundation: Crawl, Slab
Roof: Asphalt Shingle
Exterior: Brick
Pool: No Pool
Fencing: Partial
Waterfront: Creek,Marsh

Utilities & systems

Heating: Heat Pump W/A
Cooling: Heat Pump W/A
Water heater: Electric
Water: City/County
Sewer: City/County

Lot, parking & ownership

Lot size: 0.3720
Subdivision: NORFOLK HIGHLANDS
Zoning: R6
Ownership: Fee Simple
Garage: No
Parking: Driveway Spc
Possession: SETTLE
Disclosures: Disclosure Statement, Estate

See more Chesapeake waterfront homes.

Sources: REIN MLS record · 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…

Explore this neighborhood

Georgetown

Georgetown, also known as Georgetown Colony, is an established Chesapeake community in the Indian River area, located off Military Highway and Providence Road.

$286K

Median sale · 12 mo

$188

Sold $/sq ft

11d

Days on market

For sale now

$76K

HH income

64.9%

Owner-occupied

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

Explore Georgetown →

Neighborhood

browse Chesapeake listings →

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

$2,410/mo

Down payment20% · $79,000

Interest rate6.75%

Loan term30 years

Principal & interest

$2,050

Property tax

$246

Home insurance

$115

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

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

$375,000 – $449,000

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.

1340 Cypress Pl · 2.5 mi · 1,861 sqft$416,250 sold 2026-06

1361 Cypress PL · 2.5 mi · 1,750 sqft$430,000 sold 2026-07

4158 Everett ST · 2.6 mi · 1,800 sqft$375,000 sold 2026-07

Sale & Tax History

List Price

$395,000

Price / Sq Ft

$216

Annual Taxes

$2,948

Monthly Tax

$246

HOA

None

Tax Rate (effective)

0.75%

Sale Timeline (this listing)

Event	Date	Price	Detail
Listed	Aug 13, 2026	$395,000	—
Currently listed	—	$395,000	—

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.

Market tempo

0 days on market — read it in context

Days on market reflects pricing, season, and inventory — compare it against similar nearby homes below before reading anything into it.

Questions buyers ask

Real questions, answered from the record

Is 3820 Mcneal Ave in a good school zone?+

The assigned zones on the listing record are Norfolk Highlands Primary (VaHome School Score 6.1/10), Indian River Middle (VaHome School Score 3.5/10), Indian River (VaHome School Score 4.9/10). School attendance zones can change — always confirm enrollment with the local school division.

Is 3820 Mcneal Ave 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 3820 Mcneal Ave a waterfront property?+

Yes. The listing record shows: Creek,Marsh.

Does 3820 Mcneal Ave have an HOA?+

No — there are no HOA, condo, or association dues on the listing record for this property.

When was 3820 Mcneal Ave built?+

It was built in 1964, 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

Tom & Dariya Milan

LPT Realty · Hampton Roads · answer their own phone

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

Listing courtesy of Luke Nicolaison · 1st Class Real Estate Flagship · REIN MLS #10648733

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

Name

Phone (optional)

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

Call or text (757) 777-7577

3820 Mcneal Ave, Chesapeake, Virginia 23325 · MLS #10648733 · 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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