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Chesapeake › HARBOR WATCH CONDO › 4 Harbor Watch Dr ##520✓ Source: REIN MLS #10646639 · record updated Sep 28, 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
3beds
2baths
1,668sqft
60days 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

$185

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
1
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

Great 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. The primary suite includes private bath with dual sinks and a large walk-in closet, while the second bedroom offers duel entry bath, double 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, updated 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. This condo is waiting for your personal touch to make it truly your own and enjoy all that it has to offer.

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

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 condo at Harbor Watch with 1,668 square feet of living space. Built in 2003, it sits five minutes from USCG Finance Center Chesapeake and fifteen minutes from Norfolk Naval Shipyard. You're in the heart of Chesapeake with easy access to dining, shopping, and parks.

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

Harbor Watch is a well-established community offering condo living without the upkeep of a single-family home. Your unit sits near Great Bridge, one of Chesapeake's most walkable neighborhoods. The location puts you five minutes from USCG Finance Center Chesapeake and fifteen minutes from Norfolk Naval Shipyard. VA loan financing is common here. The neighborhood draws people who value convenience over yard maintenance.

HARBOR WATCH CONDO and the Chesapeake real estate market

Great Bridge is a historic, walkable corner of Chesapeake centered on the bridge and lock that give it its name. The streets mix older homes with newer condos and townhomes, creating a blend of character and modern comfort. You're steps from restaurants, coffee shops, and the waterfront parks that anchor the neighborhood. Chesapeake itself is Virginia's largest city by area, stretching from the Elizabeth River to the North Carolina border. Getting around is straightforward: local roads connect to I-64 and the Downtown Tunnel for quick access to Norfolk and Virginia Beach. The city balances suburban quiet with urban convenience. If you are comparing homes for sale in Chesapeake, note that this location offers that mix—from waterfront properties to inland neighborhoods like yours.

What's nearby

Daily life is easy here. Kroger and Kroger Bakery are just a ten-minute walk away. Joyu Tea & Coffee and Tropical Smoothie Cafe sit steps from your door, as does Alohahola Hawaiian Kitchen. Great Bridge Battlefield & Waterways Historic Park is virtually next door, perfect for a quick stroll. Riverview Wellness gym is two blocks away. You'll find both everyday essentials and weekend gathering spots within walking distance.

For different buyers

Base commute and VA loan notes

Five minutes to USCG Finance Center Chesapeake and fifteen minutes to Norfolk Naval Shipyard. VA loan financing is widely available in this neighborhood. The condo layout—three bedrooms, two baths—fits typical paygrade housing needs. No yard work or major structural maintenance required.

For first-time buyers

Three bedrooms and two baths give you room to grow without overextending. The condo format means no surprise foundation or roof repairs. Harbor Watch has an established community feel. Nearby parks and shops make this a solid foundation for your next chapter.

More buyer questions

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

About five minutes by car. It's one of the shortest commutes in the area.

What restaurants and coffee shops are near this address?

Joyu Tea & Coffee, Alohahola Hawaiian Kitchen, and Tropical Smoothie Cafe are all within a few blocks. Panera Bread is a short walk away too.

Are there parks nearby?

Yes. Great Bridge Battlefield & Waterways Historic Park is steps away, and Great Bridge Lock Park is half a mile north.

How does this location compare to other homes for sale zoned for Oscar Smith High School?

Harbor Watch offers condo living in a walkable neighborhood close to Great Bridge. You get modern convenience without single-family maintenance.

What is the commute to Norfolk Naval Shipyard?

About fifteen minutes by car, making it accessible for shipyard employees.

Ready to explore 4 Harbor Watch Drive? Contact Tom & Dariya Milan at LPT Realty to schedule a tour today.

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

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

Chesapeake$260K – $355K3+ 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 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 condo community on the water. It is in the Great Bridge area of southern Chesapeake. The ZIP code is 23320. It sits along the Atlantic Intracoastal Waterway.

$305K

Median sale · 12 mo

$175

Sold $/sq ft

20d

Days on market

4

For sale now

$101K

HH income

52.4%

Owner-occupied

REIN MLS closed sales, trailing 12 mo · 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

$1,921/mo

Principal & interest

$1,601

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

$315,000 – $440,000

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.

155 Repose LN · 0.5 mi · 1,847 sqft$440,000 sold 2026-02
517 Long PT · 1.4 mi · 1,798 sqft$332,500 sold 2026-05
312 Esplanade PL · 1.5 mi · 1,568 sqft$330,000 sold 2026-08

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

Sale & Tax History

List Price

$308,500

Price / Sq Ft

$185

Annual Taxes

$2,765

Monthly Tax

$230

Condo fee

$551 / mo

Tax Rate (effective)

0.90%

Sale Timeline (this listing)

EventDatePriceDetail
ListedJul 30, 2026$308,500—
Price reducedSep 28, 2026$308,500−$1,500
Currently listed—$308,500—

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

60 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

Brokered by 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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