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Chesapeake › HARBOR WATCH CONDO › 4 Harbor Watch Dr ##520✓ Source: REIN MLS #10646639 · record updated Aug 14, 2026 · synced every 2 min · your inquiry is never resold
4 Harbor Watch DR ##520, CHESAPEAKE VA 23320 - Main photo
4 Harbor Watch DR ##520, CHESAPEAKE VA 23320 - Photo 2
4 Harbor Watch DR ##520, CHESAPEAKE VA 23320 - Photo 3
4 Harbor Watch DR ##520, CHESAPEAKE VA 23320 - Photo 4
4 Harbor Watch DR ##520, CHESAPEAKE VA 23320 - Photo 5
$310,000
$186 / sqft · est. $2,480/mo →
3beds
2baths
1,668sqft
15days on market

4 Harbor Watch Dr ##520, Chesapeake, VA 23320

ActiveResidential · built 2003 · HARBOR WATCH CONDO

Chapter · The Water

Life on the water

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

Frontage

River ✓ VERIFIED

Dock

Dock

Shoreline

Bulkheaded

Access

Deep-water access

Source: REIN MLS listing record · waterfront features as listed

Facts & features

Type

Residential

Year built

2003

Price / sqft

$186

Condo fee

$551/mo

Taxes

$2,765/yr

County

Chesapeake VA

Waterfront

Yes

MLS #

10646639

Condo association includes

Boat SlipClubhouseDockElevatorGround MaintOtherPoolSewerTrash PickupWater

$551/mo condo fee · Harbor Watch Condo Association · per the REIN MLS listing record — confirm inclusions with the association.

Interior

Bedrooms
3
Full baths
2
Approx. sqft
1,668
Stories
1
Flooring
Ceramic, Laminate/LVP
Ensuite bedrooms
2
First-floor bed & full bath
Yes
Total rooms
6
Other rooms
1st Floor BR, 1st Floor Primary BR, Assigned Storage, Balcony, Foyer, PBR with Bath, Pantry, Utility Room
Appliances
Dishwasher, Disposal, Dryer, Microwave, Elec Range, Refrigerator, Washer
Equipment
Cable Hookup, Ceiling Fan, Intercom, Security Sys
Accessibility
Casement/Crank Windows, Elevator, Level Flooring, Main Floor Laundry, Ramp

Construction & exterior

Style
Contemp, Lo Rise
Subtype
Attached
Foundation
Slab
Roof
Asphalt Shingle
Exterior
Vinyl
Pool
No Pool
Waterfront
Bulkhead,Deep Water Access,Dock,Navigable,River
Deep-water access
Yes

Utilities & systems

Heating
Forced Hot Air, Heat Pump
Cooling
Central Air
Water heater
Electric
Water
City/County
Sewer
City/County

Lot, parking & ownership

Lot size
0.0200
Subdivision
HARBOR WATCH CONDO
Unit / floor
3
Zoning
RMF1
Ownership
Condo
Garage
No
Parking
2 Space, Assigned/Reserved
Possession
SETTLEMENT
Disclosures
Common Interest Community, Disclosure Statement

See more Chesapeake waterfront homes.

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

About this home

Exceptional top-floor corner condo with a deeded boat slip complete with water and electricity, ideally located near the river for easy access to boating, fishing, kayaking, cruising. This 3-bedroom, 2-bath home offers a bright, open floor plan with a spacious kitchen overlooking the dining and living areas. Both bedrooms feature ensuite baths. The primary suite includes dual sinks and a large walk-in closet, while the second bedroom offers dual closets. French doors lead to the third bedroom, perfect as an office, den or guest room. Add'l features include a full laundry room, LVP and tile flooring throughout (no carpet), Andersen windows, Levolor retractable blinds, a private composite-deck balcony, elevator access, security system, and abundant storage. Enjoy the waterfront community with picnic/grilling areas and a swing overlooking the water, along with outdoor pool, clubhouse, gazebo, kayak storage. Move-in ready and waiting for your personal touch to make it truly your own.

Listing courtesy of Gina Cross · Swell Realty Co · REIN MLS #10646639

VaHome team overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · LPT Realty

At a glance

4 Harbor Watch Drive #520 is a 3-bedroom, 2-bath condo in Chesapeake, Virginia, offering 1,668 square feet of comfortable living space built in 2003. With two military installations close by and everyday conveniences within easy reach, this address checks a lot of boxes.

Keep searching in Chesapeake

See all Chesapeake homes for sale, including homes for sale in 23320 and homes for sale zoned for Oscar Smith High School. Browse every listing among homes for sale in Chesapeake — updated from the REIN MLS every few minutes. Nearby, look at Harbor Watch 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

What sets 4 Harbor Watch Drive #520 apart is the combination of generous square footage for a condo — 1,668 square feet across three bedrooms — and a location that puts two military installations practically at your doorstep. The 2003 construction hits a sweet spot: modern enough for solid bones and efficient systems, yet established enough to feel like a real community rather than a brand-new development still finding its footing.

HARBOR WATCH CONDO and the Chesapeake real estate market

Chesapeake is one of the largest cities by land area on the East Coast, and it wears that size well — blending suburban calm with genuine urban convenience. The Harbor Watch community sits within this city in a way that feels intentional: quiet enough to decompress after a long day, connected enough that you're never far from what you need. Chesapeake's identity is shaped by its waterways, its proximity to the broader Hampton Roads metro, and a strong sense of community pride. Residents here tend to stay, and it's easy to see why. The city offers a lower-density lifestyle compared to Norfolk or Virginia Beach while still delivering access to the same major employers, military installations, and regional amenities. If you've been browsing chesapeake bay homes for sale and wondering which city in Hampton Roads actually delivers on the promise of livability, Chesapeake makes a compelling case. The homes for sale chesapeake buyers find here tend to reflect solid value in a market that holds steady.

What's nearby

Daily life is easy here. The Harbor Watch address puts you within a short drive of grocery stores, pharmacies, and casual dining along the major corridors that run through this part of Chesapeake. Coffee shops and quick-service spots are close enough for a weekday morning run. Parks and green space are part of the fabric of this area, giving you outdoor options without a long commute to find them. Norfolk Naval Shipyard is roughly 15 minutes away, making cross-base errands or work commutes manageable. The broader Hampton Roads network of bridges and interstates is accessible, connecting you to Virginia Beach, Norfolk, and beyond without much friction.

For different buyers

For military families relocating

With the USCG Finance Center Chesapeake just five minutes away and Norfolk Naval Shipyard about 15 minutes out, 4 Harbor Watch Drive #520 is genuinely well-positioned for military households. A VA loan can make this three-bedroom condo even more accessible, and the short commute windows mean more time at home. Chesapeake's stable community feel is a real draw for families navigating PCS cycles.

For first-time buyers

Three bedrooms and two full baths at 1,668 square feet is a meaningful amount of space for a first home — room to grow without overextending. The 2003 build year means you're stepping into a property with modern construction standards already in place. A VA loan could be a strong fit here if you qualify, and Chesapeake's steady market makes this a grounded place to plant roots.

More buyer questions

How far is 4 Harbor Watch Drive #520 from Norfolk Naval Shipyard?

Norfolk Naval Shipyard is approximately 15 minutes from this address under typical traffic conditions. That commute window is comfortable by Hampton Roads standards.

How far is 4 Harbor Watch Drive #520 from the USCG Finance Center Chesapeake?

The USCG Finance Center Chesapeake is about five minutes away — one of the closest military installations you'll find to any address in this part of the city.

Is 4 Harbor Watch Drive #520 part of an HOA?

Yes, this condo address is associated with an HOA. Specific fee amounts and what they cover are best confirmed through current association documents.

What flood zone is 4 Harbor Watch Drive #520 in?

Flood zone information for this address is displayed in the dedicated FloodRisk tile on this page — check that section for the most current FEMA designation.

Can a VA loan be used to purchase a condo at 4 Harbor Watch Drive #520?

VA loans can be used for condos, but the specific community must be on the VA's approved condo list. It's worth confirming the approval status of Harbor Watch before proceeding — your lender can run that check quickly.

Curious whether 4 Harbor Watch Drive #520 fits your next chapter? Tom and Dariya Milan at LPT Realty are ready to walk you through it — reach out and let's talk.

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

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 AE · base flood elevation 7 ft · Special Flood Hazard Area (flood insurance typically required) · FIRM 510034

Flood Risk

Looking up FEMA flood zone…

Zone AE typically means lenders require flood insurance — factor it into the monthly numbers below.

Hurricane Evacuation Zone

Evacuation Zone A

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

Explore this neighborhood

Harbor Watch

Harbor Watch is a waterfront condominium community in the Great Bridge area of southern Chesapeake (ZIP 23320), set along the Atlantic Intracoastal Waterway near the southern branch of the Elizabeth River.

3

For sale now

$101K

HH income

52.4%

Owner-occupied

U.S. Census ACS 2024 5-year

Explore Harbor Watch →
Map of Harbor Watch with neighborhood boundaryNeighborhood

houses for sale in Chesapeake →

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

$1,929/mo

Principal & interest

$1,609

Property tax

$230

Home insurance

$90

PMI

None

HOA/Condo (paid separately)

$551

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

Price context — similar nearby homes

$299,900 – $587,405

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.

253 N Hill LN · 2 mi · 1,600 sqft$299,900 sold 2026-07
125 Millwood AVE · 1.9 mi · 1,742 sqft$452,555 sold 2026-06
312 Gallenway TER · 2.2 mi · 1,800 sqft$470,000 sold 2026-06

Sale & Tax History

List Price

$310,000

Price / Sq Ft

$186

Annual Taxes

$2,765

Monthly Tax

$230

Condo fee

$551 / mo

Tax Rate (effective)

0.89%

Sale Timeline (this listing)

EventDatePriceDetail
ListedJul 30, 2026$310,000—
Currently listed—$310,000—

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

15 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 4 Harbor Watch Dr ##520 in a good school zone?+
The assigned zones on the listing record are B.M. Williams Primary, Crestwood Middle (VaHome School Score 3.9/10), Oscar Smith (VaHome School Score 3.7/10). School attendance zones can change — always confirm enrollment with the local school division.
Is 4 Harbor Watch Dr ##520 in a flood zone?+
FEMA maps this parcel in Zone AE with a base flood elevation of 7 ft — a high-risk flood band where lenders typically require flood insurance. See the flood section on this page for the full details and sources, and verify with an elevation certificate.
Is 4 Harbor Watch Dr ##520 a waterfront property?+
Yes. The listing record shows: Bulkhead,Deep Water Access,Dock,Navigable,River.
Does 4 Harbor Watch Dr ##520 have a condo association?+
Yes — condo association fees are on record for this unit (the current amount is shown in the facts section on this page). The association of record is Harbor Watch Condo Association. Association amenities on record include: Boat Slip, Clubhouse, Dock, Elevator, Ground Maint, Other, Pool, Sewer, Trash Pickup, Water.
When was 4 Harbor Watch Dr ##520 built?+
It was built in 2003, 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 Gina Cross · Swell Realty Co · REIN MLS #10646639

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.

4 Harbor Watch Dr ##520, Chesapeake — photo

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

Call or text (757) 777-7577

4 Harbor Watch Dr ##520, Chesapeake, Virginia 23320 · MLS #10646639 · 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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