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Elizabeth City › TOOLEY HARBOR › 503 Spinnaker St✓ Source: REIN MLS #10652908 · record updated Sep 10, 2026 · synced every 2 min · your inquiry is never resold
503 Spinnaker ST, ELIZABETHCITY NC 27909 - Main photo
503 Spinnaker ST, ELIZABETHCITY NC 27909 - Photo 2
503 Spinnaker ST, ELIZABETHCITY NC 27909 - Photo 3
503 Spinnaker ST, ELIZABETHCITY NC 27909 - Photo 4
503 Spinnaker ST, ELIZABETHCITY NC 27909 - Photo 5
4beds
3baths
2,101sqft
0days on market

503 Spinnaker St, Elizabeth City, NC 27909

New ListingResidential · built 2022 · TOOLEY HARBOR

Facts & features

Type

Residential

Year built

2022

Price / sqft

$245

HOA fee

$35/mo

Taxes

$4,172/yr

County

Elizabeth City NC

MLS #

10652908

HOA association includes

Ground Maint

$35/mo HOA fee · n/a · per the REIN MLS listing record — confirm inclusions with the association.

Interior

Bedrooms
4
Full baths
3
Approx. sqft
2,101
Stories
2
Flooring
Carpet, Laminate/LVP
Ensuite bedrooms
1
First-floor bed & full bath
Yes
Total rooms
10
Other rooms
1st Floor BR, 1st Floor Primary BR, Attic, Fin. Rm Over Gar, Foyer, PBR with Bath, Office/Study, Pantry, Porch, Utility Room
Appliances
Dishwasher, Dryer Hookup, Microwave, Elec Range, Washer Hookup
Equipment
Ceiling Fan, Gar Door Opener

Construction & exterior

Style
Contemp, Traditional
Subtype
Detached
Foundation
Other, Slab
Roof
Asphalt Shingle,Composite
Exterior
Vinyl
Pool
No Pool

Utilities & systems

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

Lot, parking & ownership

Lot size
0.5160
Subdivision
TOOLEY HARBOR
Zoning
R-15
Ownership
Fee Simple
Garage
Yes
Parking
Garage Att 2 Car, 4 Space, Off Street, Driveway Spc
Possession
CLOSING
Miscellaneous
Rehabilitated
Disclosures
Common Interest Community, Deed Restrictions/Covenants, Resale Certif Req

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

About this home

Welcome to Tooley Harbor, where small-town charm meets modern comfort along the banks of the Elizabeth River. Tucked away on a quiet cul-de-sac and sitting on a full half acre, this 2022-built Belhaven floor plan gives you all the benefits of new construction without the wait. From the moment you arrive, you'll notice the details that set this home apart. Inside, you'll find 4 bedrooms, 3 full baths, a downstairs office with elegant double doors, and a versatile flex room (or FROG) that adapts to however you live, whether that's extra living space, a playroom, or guest retreat. Luxury vinyl plank flooring runs throughout, giving the home a clean, cohesive feel that's as durable as it is beautiful. The heart of the home is an oversized living room that flows seamlessly into an open concept kitchen and dining area, complete with a large island made for entertaining. Step out back to a patio perfect for grilling and gathering, with plenty of room to spread out on your private half acre lot, which backs directly to River Road Middle School and its sports fields. Retreat to the primary suite, where a free-standing soaking tub, custom tiled shower, and dual vanities create a spa-like escape at the end of the day. A dedicated laundry room with sink adds everyday convenience, while a massive walk-on attic on both sides of the home offers storage most buyers only dream of. The oversized garage comes equipped with a smart opener for effortless access. Life in Tooley Harbor means more than just a beautiful house. This growing riverside community offers a boat ramp for easy access to fishing and days on the water, all just minutes from downtown Elizabeth City, the Coast Guard bases, and a growing lineup of local shopping and dining. Add in the rich history that makes this part of Coastal North Carolina so special, and you have a location that's hard to beat. New construction pricing without the new construction wait. This one won't last.

Listing courtesy of Russell Bryant · Thrive Realty · REIN MLS #10652908

Tom & Dariya's overview

Our read on this home

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

At a glance

Built in 2022, this 4-bedroom, 3-bath home at 503 Spinnaker ST brings 2,101 square feet of modern construction to Elizabeth City, North Carolina — a riverfront small city where your dollar stretches and the pace of life feels genuinely human.

Read the full overview ↓

Why this home stands out

New construction quality without the new construction wait — 503 Spinnaker ST was completed in 2022, meaning the systems, finishes, and bones are all still in their early years. Four bedrooms and three full baths across 2,101 square feet gives households room to spread out, whether that means a dedicated home office, a guest suite, or space for a growing family. Elizabeth City's cost of living makes this square footage feel like a genuine find.

TOOLEY HARBOR and the Elizabeth City real estate market

Elizabeth City sits along the Pasquotank River in northeastern North Carolina, about 50 miles south of Norfolk and connected to the broader Hampton Roads region by US-17. It's a small city with a real downtown — brick storefronts, waterfront parks, and a marina that draws boaters traveling the Intracoastal Waterway. The pace here is unhurried without feeling sleepy. Spinnaker ST sits in a newer residential pocket of the city, where streets are quiet and neighbors tend to know each other. Elizabeth City proper gives you access to Albemarle Hospital, a regional arts scene anchored by the Museum of the Albemarle, and a walkable downtown core that punches above its size. Families comparing homes for sale in Elizabeth City North Carolina often land here after discovering how much house and how much community the city delivers relative to larger coastal markets.

What's nearby

Daily errands are genuinely easy from 503 Spinnaker ST. Food Lion is less than a mile away, covering grocery runs without a second thought. When you'd rather let someone else cook, The Grill, Big Daddy's Pizza, and China Garden are all within 0.8 miles — solid variety for a weeknight. Coffee is well covered too: Kathy's Kreations Market, Pineapple Cafe, and Caribou Coffee are all in that same tight radius, so your morning routine has options. Everything you reach for most often is close.

For different buyers

For families upgrading

Four bedrooms and three full baths in a 2022-built home means no compromises on space or condition. Families upgrading from a smaller or older property will appreciate the modern layout, the lack of deferred maintenance, and the room to grow — all in a quieter Elizabeth City neighborhood where the street feels like a real community rather than a throughway.

For first-time buyers

If you're weighing your first purchase and want something built this decade with no immediate repair surprises, 503 Spinnaker ST is worth a close look. Elizabeth City's market offers real value compared to the Virginia Beach and Norfolk corridors, and a 2022 build at this size gives first-time buyers a strong foundation — literally and financially — to start from.

More buyer questions

How far is 503 Spinnaker ST from USCG Finance Center Chesapeake?

The drive runs approximately 67 minutes under normal conditions, heading north on US-17 toward the Chesapeake area. Coast Guard personnel weighing the commute often factor in the significantly lower cost of living in Elizabeth City compared to communities closer to the base.

What is the flood zone status for 503 Spinnaker ST?

Flood zone designation for this address is handled by the FloodRisk tile on this page, which pulls current FEMA map data — check there for the most accurate and up-to-date classification.

Is 503 Spinnaker ST part of an HOA?

HOA status for this property should be confirmed through current disclosure documents; your agent can pull that detail quickly during any inquiry.

What is Elizabeth City, NC like as a place to live?

Elizabeth City is a small riverfront city with a genuine downtown, a working marina on the Pasquotank River, and a regional arts and culture scene that includes the Museum of the Albemarle. It draws people who want a real sense of place without big-city congestion or pricing.

How old is the home at 503 Spinnaker ST?

The home was built in 2022, making it just a few years old — well within the window where major systems and finishes are still in excellent early-life condition.

Tom and Dariya Milan know this market well. Reach out to schedule a walkthrough of 503 Spinnaker ST or to ask any questions about Elizabeth City — they're here to help you make a confident, informed decision.

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

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

Elizabeth City$435K – $595K4+ beds

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Schools

VaHome School Score

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

  • ElementaryJ C Sawyer Elementary
    —
  • MiddleRiver Road Middle
    —
  • HighNortheastern
    —

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 37139C

Flood Risk

Looking up FEMA flood zone…

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

$3,170/mo

Principal & interest

$2,672

Property tax

$348

Home insurance

$150

PMI

None

HOA/Condo (paid separately)

$35

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

$340,000 – $467,946

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.

2131 Eleuthera WAY · 0.2 mi · 2,174 sqft$360,000 sold 2026-06
101 Lands End DR · 0.3 mi · 2,258 sqft$467,946 sold 2026-08
105 Center Cross DR · 0.4 mi · 2,238 sqft$420,000 sold 2026-07

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

Sale & Tax History

List Price

$514,900

Price / Sq Ft

$245

Annual Taxes

$4,172

Monthly Tax

$348

HOA fee

$35 / mo

Tax Rate (effective)

0.81%

Sale Timeline (this listing)

EventDatePriceDetail
ListedSep 10, 2026$514,900—
Currently listed—$514,900—

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:

Elizabeth City Assessor (Google)

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

Is 503 Spinnaker St in a good school zone?+
The assigned zones on the listing record are J C Sawyer Elementary, River Road Middle, Northeastern. School attendance zones can change — always confirm enrollment with the local school division.
Is 503 Spinnaker St 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 503 Spinnaker St have an HOA?+
Yes — HOA dues are on record for this property (the current amount is shown in the facts section on this page). The association of record is n/a. Association amenities on record include: Ground Maint.
When was 503 Spinnaker St built?+
It was built in 2022, 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 Russell Bryant · Thrive Realty · REIN MLS #10652908

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.

503 Spinnaker St, Elizabeth City — photo

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

Call or text (757) 777-7577

503 Spinnaker St, Elizabeth City, North Carolina 27909 · MLS #10652908 · 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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