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✓ Source: REIN MLS #10652908 · record updated Oct 24, 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
2,830sqft
43days on market

503 Spinnaker St, Elizabeth City, NC 27909

ActiveResidential · built 2022 · TOOLEY HARBOR

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

Facts & features

Type

Residential

Year built

2022

Price / sqft

$177

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
2,830
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

Tom & Dariya's overview

Our read on this home

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

At a glance

Modern four-bedroom home built in 2022 with 2,830 square feet and three full baths. Located in Elizabeth City with convenient access to dining, coffee, and grocery shopping. About 41 minutes to NSA Northwest Annex.

Read the full overview ↓

Why this home stands out

This 2022-built home offers contemporary construction and layout across 2,830 square feet. Four bedrooms and three bathrooms provide comfortable space for different needs. The newer build means modern systems, efficient design, and minimal immediate maintenance concerns. You'll find it situated in a location that balances town convenience with straightforward commute times.

TOOLEY HARBOR and the Elizabeth City real estate market

Elizabeth City sits in northeastern North Carolina along the Pasquotank River, a waterfront community with deep maritime heritage and a walkable downtown core. The town offers a slower pace than larger metros while keeping essential services close—grocery stores, restaurants, and local coffee shops are all within a mile. Daily life centers on the downtown district and waterfront parks, where you can enjoy the river views and community events year-round. Schools, medical facilities, and government offices cluster near the city center, making errands straightforward. The broader area is rural-to-suburban in character, with open spaces and farmland nearby. Getting around Elizabeth City is easy: most destinations are a short drive, and the town's grid layout keeps navigation simple.

What's nearby

Grocery shopping at Food Lion is less than a mile away. For dining, you're equally close to The Grill, Big Daddy's Pizza, and China Garden—all within walking distance or a quick drive. Coffee lovers have three options within the same radius: Kathy's Kreations Market, Pineapple Cafe, and Caribou Coffee. These neighborhood conveniences mean you can handle daily errands without much travel time. The walkable downtown core keeps most essentials nearby.

For different buyers

Base commute and VA loan notes

About 41 minutes to NSA Northwest Annex. VA loan financing is widely available for properties in this area, and the newer construction means minimal repairs needed at move-in. The straightforward commute and established town infrastructure make settling in efficient.

Room to grow

Four bedrooms give each family member their own space or room to grow. Three full baths reduce morning conflicts. The 2,830 square feet layout spreads comfortably across a modern floor plan. Newer construction means solid bones and systems that won't demand immediate upgrades.

More buyer questions

How far is 503 Spinnaker Street from NSA Northwest Annex?

The commute is about 41 minutes by car from Elizabeth City to the base.

What year was this home built?

The home was built in 2022, so it features modern construction and current building standards.

Are there grocery stores and restaurants nearby?

Yes. Food Lion is less than a mile away, and dining options like The Grill, Big Daddy's Pizza, and China Garden are all within a similar distance.

How many bedrooms and bathrooms does the home have?

The home has four bedrooms and three full bathrooms across 2,830 square feet.

What is Elizabeth City like as a place to live?

Elizabeth City is a waterfront community in northeastern North Carolina with a walkable downtown, river heritage, and easy access to schools, shops, and services. The pace is relaxed, and most errands are quick drives away.

Ready to explore 503 Spinnaker Street? Contact us today to schedule a tour and see this 2022-built home in person.

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

How Far Is?

Driving distance by road and typical drive time via Google Maps, to the nearest location of each.

Also nearby

Distances are straight-line (as the crow flies) from this property, not driving miles. Places within ~1 mile, nearest first. Powered by Google Places.

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

Elizabeth City$420K – $575K4+ 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.

  • 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 (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 37139C

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

6.7 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

Not in a designated hurricane evacuation zone.

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

Military Commute

Drive times to nearest bases

NW Annex

Navy

39min·29.3mi

USCG Finance Ctr

Coast Guard

53min·42.5mi

J7 Suffolk

Joint

58min·47mi

Dam Neck

Navy

79min·55.2mi

NNSY

Navy

58min·48.9mi

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

Payment Calculator

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

$3,088/mo

Principal & interest

$2,594

Property tax

$348

Home insurance

$146

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

Comparables

Price context — similar nearby homes

$432,990 – $599,900

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.

108 Yawl ST · 0.1 mi · 2,858 sqft$469,900 sold 2026-02
305 Spinnaker ST · 0.2 mi · 2,801 sqft$479,900 sold 2026-07
520 Keel WAY · 0.3 mi · 2,801 sqft$479,900 sold 2026-05

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

Sale & Tax History

List Price

$499,999

Price / Sq Ft

$177

Annual Taxes

$4,172

Monthly Tax

$348

HOA fee

$35 / mo

Tax Rate (effective)

0.83%

Sale Timeline (this listing)

EventDatePriceDetail
ListedSep 11, 2026$499,999—
Price reducedSep 28, 2026$499,999−$14,901
Currently listed—$499,999—

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

43 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

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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