Skip to main content
VaHome.com
Chesapeake › WELLSPRING › 405 S Monterey Dr✓ Source: REIN MLS #10642834 · record updated Jul 15, 2026 · synced every 2 min · your inquiry is never resold
405 S Monterey DR, CHESAPEAKE VA 23320 - Main photo
405 S Monterey DR, CHESAPEAKE VA 23320 - Photo 2
405 S Monterey DR, CHESAPEAKE VA 23320 - Photo 3
405 S Monterey DR, CHESAPEAKE VA 23320 - Photo 4
405 S Monterey DR, CHESAPEAKE VA 23320 - Photo 5
$509,000
$240 / sqft · est. $3,161/mo →
4beds
2.1baths
2,121sqft
8days on market

405 S Monterey Dr, Chesapeake, VA 23320

ActiveResidential · built 1995 · WELLSPRING

About this home

The listing, in the seller's words

This home is a Wellspring gem with valuable upgrades. The front lawn and spacious 2 car garage create a warm and inviting first impression. Inside, the thoughtfully designed first floor offers multiple living spaces including a formal living room, dining room, eat in kitchen and cozy den featuring a gas fireplace. A convenient half bath makes everyday living and entertaining a breeze. Upstairs has four generously sized bedrooms including a primary suite with vaulted ceilings. Throughout the home, you'll appreciate having no carpet and LVP in every bedroom. The deck right outside the patio door is superb for hosting, overlooking an expansive newly fenced backyard with endless possibilities for play, gardening, pets or outdoor gatherings. A storage shed provides additional space for tools and equipment. TESLA EV charger conveys.

Listing courtesy of Jackie Feagin · BHHS RW Towne Realty · REIN MLS #10642834

VaHome team overview

Our read on this home

At a glance

405 S Monterey Drive is a four-bedroom, two-and-a-half-bath home in Chesapeake, Virginia, offering 2,121 square feet of living space built in 1995. It sits just minutes from the USCG Finance Center and a short drive to Norfolk Naval Shipyard, making it a practical base for Hampton Roads life.

Read the full overview ↓

Why this home stands out

What sets 405 S Monterey Drive apart is the combination of generous square footage and a layout that actually makes sense for everyday living. Four bedrooms and two and a half baths give everyone room to breathe, while the 1995 construction means the bones are solid without the quirks of an older build. You get suburban Chesapeake convenience without sacrificing space or practicality.

WELLSPRING and the Chesapeake real estate market

Chesapeake is one of the largest cities by land area on the East Coast, and the 23320 zip code puts you right in the heart of it — close to the action without the congestion of the waterfront districts. The neighborhoods around S Monterey Drive are characterized by established residential streets, mature trees, and the kind of quiet that comes from a community that has been here long enough to feel settled. Sidewalks connect you to nearby errands, and the road network fans out efficiently toward both downtown Chesapeake and the broader Hampton Roads metro. City services are reliable, and the area draws a mix of long-term residents and newcomers who quickly discover why people put down roots here. Whether you're commuting north toward Norfolk or staying local, the central Chesapeake location keeps your options open without locking you into traffic-heavy corridors.

What's nearby

Daily life is easy here. Grocery runs, coffee stops, and pharmacy errands are all within a short drive of S Monterey Drive, with the retail corridors along Battlefield Boulevard and Greenbrier Parkway covering most of what you need. Greenbrier Mall is close enough for a quick shopping trip without planning around it. Parks and green space are woven through the surrounding neighborhoods, and the broader Chesapeake trail network is accessible for weekend walks or bike rides. Dining options range from local spots to familiar chains, all within a few miles.

For different buyers

For military families relocating

The USCG Finance Center Chesapeake is literally two minutes away — it doesn't get more convenient than that for Coast Guard personnel assigned there. Norfolk Naval Shipyard is an easy eleven-minute drive, so the home works for multi-service households too. A VA loan can make ownership here straightforward, and four bedrooms means you have space for a home office, a guest room, or a growing family.

For families upgrading

If you've outgrown your current space, 2,121 square feet across four bedrooms and two and a half baths gives everyone room to spread out. The 1995 build means the floor plan was designed with modern family life in mind — no awkward room arrangements or single-bathroom bottlenecks. Central Chesapeake keeps you close to parks, shopping, and everything a busy household needs on a regular basis.

More buyer questions

How far is 405 S Monterey Drive from Norfolk Naval Shipyard?

Norfolk Naval Shipyard is approximately eleven minutes from 405 S Monterey Drive under normal traffic conditions. The route is straightforward and avoids most of the congestion points that affect other parts of Hampton Roads.

How far is 405 S Monterey Drive from the USCG Finance Center Chesapeake?

The USCG Finance Center Chesapeake is about two minutes from the property — essentially around the corner. For personnel assigned there, it's one of the closest residential options available.

What is the square footage and layout of 405 S Monterey Drive?

The home offers 2,121 square feet with four bedrooms and two and a half bathrooms. Built in 1995, the layout reflects the practical, family-oriented floor plans common to that era of construction.

Is 405 S Monterey Drive in an HOA community?

HOA status for this property should be confirmed through current listing documentation or directly with the seller, as community governance details can change over time.

What is the flood risk at 405 S Monterey Drive?

Flood zone designation for this address is displayed in the FloodRisk tile on this page. For the most current FEMA map information, you can also search the address directly at msc.fema.gov.

Want to walk through 405 S Monterey Drive in person? Tom and Dariya Milan at LPT Realty know this part of Chesapeake well — reach out and let's set something up.

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

Schools

Info provided by GreatSchools

Facts & features

The record, sourced

Type

Residential

Year built

1995

Price / sqft

$240

HOA

None

Taxes

$4,455/yr

County

Chesapeake VA

Waterfront

Yes

MLS #

10642834

Interior

Bedrooms
4
Full baths
2
Half baths
1
Approx. sqft
2,121
Stories
2
Flooring
Laminate/LVP, Other
Ensuite bedrooms
1
Total rooms
7
Other rooms
Attic, Breakfast Area, Foyer, PBR with Bath, Pantry
Appliances
Dishwasher, Disposal, Dryer, Microwave, Gas Range, Washer
Equipment
Ceiling Fan, Electric Vehicle Charging Station, Gar Door Opener

Construction & exterior

Style
Traditional, Transitional
Subtype
Detached
Foundation
Slab
Roof
Asphalt Shingle
Exterior
Vinyl
Pool
No Pool
Fencing
Full,Privacy,Wood Fence
Waterfront
Not Waterfront

Utilities & systems

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

Lot, parking & ownership

Subdivision
WELLSPRING
Zoning
R15S
Ownership
Fee Simple
Garage
Yes
Parking
Garage Att 2 Car, 2 Space, Driveway Spc
Possession
SETTLE
Disclosures
Disclosure Statement

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

Not in a designated hurricane evacuation zone.

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

Explore this neighborhood

Knells Ridge

Knells Ridge sits in the Greenbrier area of northern Chesapeake, clustered along Knells Ridge Boulevard just off North Battlefield Boulevard near Oak Grove Road (ZIP 23320).

$345K

Median sale · 12 mo

$207

Sold $/sq ft

23d

Days on market

5

For sale now

$83K

HH income

52.1%

Owner-occupied

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

Explore Knells Ridge →
Map of Knells Ridge 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

$3,161/mo

Principal & interest

$2,641

Property tax

$371

Home insurance

$148

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

115% of $441,100

City assessment record · taxes $4,455/yr

Land share of assessed value

37% — $165,000

Improvements $276,100 · 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

$293,500 – $492,000

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.

445 Broad Bend CIR · 1.7 mi · 2,090 sqft$492,000 sold 2026-06
417 Broad Bend CIR · 1.7 mi · 2,094 sqft$483,070 sold 2026-06
327 Esplanade PL · 1.8 mi · 2,100 sqft$370,000 sold 2026-05

Sale & Tax History

List Price

$509,000

Price / Sq Ft

$240

Annual Taxes

$4,455

Monthly Tax

$371

HOA

None

Tax Rate (effective)

0.88%

Sale Timeline (this listing)

EventDatePriceDetail
ListedJul 7, 2026$509,000—
Currently listed—$509,000—

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

15% above assessment

Total Assessed

$441,100

Land

$165,000

Improvement

$276,100

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

8 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 405 S Monterey Dr in a good school zone?+
The assigned zones on the listing record are B.M. Williams Primary, Greenbrier Middle (GreatSchools 6/10), Oscar Smith (GreatSchools 7/10). School attendance zones can change — always confirm enrollment with the local school division.
Is 405 S Monterey 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.
Does 405 S Monterey Dr have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 405 S Monterey Dr built?+
It was built in 1995, 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 Jackie Feagin · BHHS RW Towne Realty · REIN MLS #10642834

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.

405 S Monterey Dr, Chesapeake — photo

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

Call or text (757) 777-7577

405 S Monterey Dr, Chesapeake, Virginia 23320 · MLS #10642834 · 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.

✆