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Chesapeake › NORFOLK HIGHLANDS › 3820 Mcneal Ave✓ Source: REIN MLS #10648733 · record updated Sep 21, 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
3beds
2baths
1,826sqft
40days on market

3820 Mcneal Ave, Chesapeake, VA 23325

ActiveResidential · 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

Facts & features

Type

Residential

Year built

1964

Price / sqft

$209

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
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

See more Chesapeake waterfront homes.

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

About this home

Discover the perfect blend of comfort, convenience in this charming brick ranch situated on a spacious lot. Updates 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

Tom & Dariya's overview

Our read on this home

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

At a glance

Three-bedroom, two-bath home built in 1964 on a quiet Chesapeake street. About 1,826 square feet with classic mid-century character. Seven minutes to Norfolk Naval Shipyard and ideal for anyone comparing Chesapeake homes for sale near the shipyard.

Keep searching in Chesapeake

See all Chesapeake homes for sale, including homes for sale in 23325, homes for sale zoned for Indian River High School, and homes for sale zoned for Norfolk Highlands Primary School. Browse every listing among homes for sale in Chesapeake — updated from the REIN MLS every few minutes. Nearby, look at Georgetown 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

This 1964 home sits on a tree-lined block in an established neighborhood where you'll find solid bones and original charm. The layout flows naturally from living spaces to bedrooms, and the lot offers room to breathe. Homes for sale in 23325 at this price point and vintage often show their age—this one invites you to make it yours with updates that match your timeline and taste.

NORFOLK HIGHLANDS and the Chesapeake real estate market

You're on McNeal Avenue, a residential street where neighbors know each other and kids play outside. The block has a mix of ranch and mid-century homes, most with mature trees and fenced yards. Chesapeake itself is Virginia's largest city by area, stretching from the Elizabeth River down through farmland and waterfront. Daily life is easy here: grocery stores, parks, and restaurants cluster within a mile. The city is laid out in a way that keeps commutes short, whether you're heading to the shipyard or downtown Norfolk. If you are comparing homes for sale zoned for Indian River High School or homes for sale zoned for Norfolk Highlands Primary School, this address sits in that school zone. Getting around Chesapeake means using local roads and the occasional highway—most errands stay under ten minutes by car.

What's nearby

Plymouth Park is just half a mile away, perfect for a quick walk or afternoon playtime. Indian River Park North and Rokeby Center, plus Campostella Square Park, all sit within a mile and offer green space year-round. For food, LA PARADA STREET FOOD is less than a mile away, and Billys Burgers and Dogs is nearby too. Beasley's Farm handles grocery runs, and coffee shops and convenience stores dot the immediate area. RheuFit gym is about a mile out if you're looking for a fitness routine.

For different buyers

Base commute and VA loan notes

Seven minutes to Norfolk Naval Shipyard and seven minutes to USCG Base Portsmouth—both are short commutes that free up your time. VA loan financing is common in this price range and neighborhood. The home's solid structure and straightforward systems mean you can close and settle without delay.

Room to grow

Three bedrooms and two bathrooms give you room to grow without sacrificing the comfort of established neighborhoods. The 1,826 square feet flows well for daily living, and the lot has space for a garden, play area, or future improvements. Storage and layout work naturally here, letting you expand your routine as your needs change.

More buyer questions

How far is 3820 McNeal Avenue from Norfolk Naval Shipyard?

About seven minutes by car, making it a quick commute for shipyard employees.

What parks are near this Chesapeake home?

Plymouth Park is half a mile away, and Indian River Park North, Rokeby Center, and Campostella Square Park are all within a mile.

Does this home qualify for VA loan financing?

Yes, VA loans are widely available for properties in this area and price range, and the home's age and condition support standard lending.

Where can I find groceries and dining near McNeal Avenue?

Beasley's Farm is about a mile away for groceries, and LA PARADA STREET FOOD and Billys Burgers and Dogs are both under a mile for quick meals.

What is the square footage and layout of this home?

The home is 1,826 square feet with three bedrooms and two bathrooms, offering a classic mid-century floor plan.

Ready to explore this Chesapeake property? Contact Tom & Dariya Milan at LPT Realty to schedule a tour and learn more.

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

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

Chesapeake$320K – $440K3+ 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 (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 510034

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

7.6 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 C

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

Explore this neighborhood

Georgetown

Georgetown is also known as Georgetown Colony. It is a settled Chesapeake neighborhood in the Indian River area. The spot is off Military Highway and Providence Road.

$286K

Median sale · 12 mo

$185

Sold $/sq ft

9d

Days on market

7

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 →
Map of Georgetown with neighborhood boundaryNeighborhood

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

$2,339/mo

Principal & interest

$1,982

Property tax

$246

Home insurance

$111

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

131% of $291,900

City assessment record · taxes $2,948/yr

Land share of assessed value

41% — $120,000

Improvements $171,900 · assessor record ✓

Price context — similar nearby homes

$310,000 – $425,000

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
1001 S Scarlet Oak CT · 2.6 mi · 1,722 sqft$415,000 sold 2026-07
1232 Quarter Path TRL · 2.6 mi · 1,722 sqft$405,000 sold 2026-07

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

Sale & Tax History

List Price

$382,000

Price / Sq Ft

$209

Annual Taxes

$2,948

Monthly Tax

$246

HOA

None

Tax Rate (effective)

0.77%

Sale Timeline (this listing)

EventDatePriceDetail
ListedAug 12, 2026$382,000—
Price reducedSep 18, 2026$382,000−$13,000
Currently listed—$382,000—

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

31% above assessment

Total Assessed

$291,900

Land

$120,000

Improvement

$171,900

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

40 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

Is 3820 Mcneal Ave in a good school zone?+
The assigned zones on the listing record are Norfolk Highlands Primary (VaHome School Score 4.5/10), Indian River Middle (VaHome School Score 2.5/10), Indian River (VaHome School Score 4.3/10). 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

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 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

Free, no obligation — your inquiry goes to Tom & Dariya, never resold.

3820 Mcneal Ave, Chesapeake — photo

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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