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ChesapeakeWESTERN BRANCH5132 Charlotte St✓ Source: REIN MLS #10649469 · record updated Aug 30, 2026 · synced every 2 min · your inquiry is never resold
5132 Charlotte ST, CHESAPEAKE VA 23321 - Main photo
5132 Charlotte ST, CHESAPEAKE VA 23321 - Photo 2
5132 Charlotte ST, CHESAPEAKE VA 23321 - Photo 3
5132 Charlotte ST, CHESAPEAKE VA 23321 - Photo 4
5132 Charlotte ST, CHESAPEAKE VA 23321 - Photo 5
$485,000
$225 / sqft · est. $3,022/mo →
4beds
2.1baths
2,156sqft
8days on market

5132 Charlotte St, Chesapeake, VA 23321

ActiveResidential · built 2018 · WESTERN BRANCH

Facts & features

Type

Residential

Year built

2018

Price / sqft

$225

HOA

None

Taxes

$4,367/yr

County

Chesapeake VA

MLS #

10649469

Interior

Bedrooms
4
Full baths
2
Half baths
1
Approx. sqft
2,156
Stories
2
Flooring
Carpet, Ceramic, Laminate/LVP, Wood
Ensuite bedrooms
1
Total rooms
7
Appliances
220 V Elec, Dishwasher, Disposal, Dryer Hookup, Microwave, Elec Range, Refrigerator, Washer Hookup
Equipment
Ceiling Fan, Electric Vehicle Charging Station, Gar Door Opener, Security Sys

Construction & exterior

Style
Traditional
Subtype
Detached
Foundation
Crawl
Roof
Asphalt Shingle,Vinyl
Exterior
Shingle,Vinyl
Pool
No Pool
Fencing
Back Fenced,Wood Fence

Utilities & systems

Heating
Electric
Cooling
Central Air
Water heater
Electric
Water
City/County
Sewer
City/County

Lot, parking & ownership

Lot size
0.3720
Subdivision
WESTERN BRANCH
Zoning
R6
Ownership
Fee Simple
Garage
Yes
Parking
Garage Att 2 Car, Driveway Spc
Possession
AT SETTLEMENT
Disclosures
Call for Others

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

About this home

Built in 2018, NO HOA, Convenient access to major interstates, shopping, dining & more. Beautifully maintained 4bed/2.5 bath home offering modern comfort, thoughtful upgrades, an open layout designed for everyday living and entertaining. Spacious kitchen features granite countertops, stainless steel appliances, generous cabinetry & large center island overlooking the main living area. Newly added wood flooring and fresh paint provide a polished, updated feel. Upstairs you'll find a generous primary suite with an ensuite bath and ample closet space. Three additional bedrooms provide flexibility for family, guests, a home office or hobbies. Energy conscious features include solar panels with a straight forward lease transfer process and no transfer fee along with an EV charger in the 2 car garage - great for today's modern living.

Listing courtesy of Grisel Saez · Coldwell Banker Premier · REIN MLS #10649469

VaHome team overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · LPT Realty

At a glance

5132 Charlotte Street is a 2018-built, four-bedroom, two-and-a-half-bath home in Chesapeake with 2,156 square feet of thoughtfully laid-out living space. Two parks, a grocery store, and a handful of restaurants are all within a mile, and NSA Northwest Annex is just twelve minutes away.

Read the full overview ↓

Why this home stands out

Built in 2018, this home skips the guesswork of older construction — systems, finishes, and structural components are all relatively young. The floor plan stretches across 2,156 square feet with four dedicated bedrooms and a half-bath on the main level for guests, giving every household member breathing room without wasted square footage. The location in western Chesapeake puts two military installations within easy reach, and the surrounding block feels established without feeling dated.

WESTERN BRANCH and the Chesapeake real estate market

Charlotte Street sits in the western reaches of Chesapeake, Virginia — a city that consistently ranks among the most livable in Hampton Roads for its low density, newer housing stock, and access to both urban amenities and open green space. This corner of the 23321 zip code has a quiet, residential feel: wide streets, modest traffic, and neighbors who tend to stay put. Chesapeake as a whole covers more square miles than any other city in Virginia, which translates to room to breathe that you simply don't find closer to the water. The western branch corridor has seen steady investment over the past decade, and the infrastructure — roads, parks, retail — reflects that. For anyone comparing Chesapeake homes for sale across different parts of the city, this zip code tends to attract buyers who want newer construction, manageable commutes, and a neighborhood that feels complete rather than still-developing.

What's nearby

Day-to-day errands are easy from Charlotte Street. Food Lion is 0.9 miles out for a full grocery run, and when you'd rather someone else do the cooking, Simmydee African Spice is practically around the corner at 0.1 miles. Sal's NY Pizza and El Puente Mexican Grill are both within 0.8 miles for pizza and Mexican nights. Little Bean Play Cafe, 0.9 miles away, doubles as a coffee stop and a spot kids genuinely enjoy. Kelli's Dance Explosion is also 0.9 miles out if someone in the household wants a structured fitness or dance program. Hunter's Cove Park is a half-mile walk, and Pughsville Park adds another green option at 0.6 miles.

For different buyers

For military families relocating

NSA Northwest Annex is a twelve-minute drive from Charlotte Street, and Naval Medical Center Portsmouth is about fifteen. That kind of dual-base access is genuinely rare in one address, and the 2018 build year means you're not inheriting deferred maintenance right before a PCS move. VA loan eligibility pairs well with a home this age — fewer surprises at inspection, and a floor plan that handles the full household.

For families upgrading

Four bedrooms and 2,156 square feet give a growing family real flexibility — a dedicated home office, a guest room, or a playroom that can evolve as kids do. Families comparing homes for sale zoned for Western Branch High School and homes for sale zoned for Western Branch Primary School will find that Charlotte Street falls within that zone, with Hunter's Cove Park and Pughsville Park both under a mile for weekend afternoons outside.

More buyer questions

How far is 5132 Charlotte Street from NSA Northwest Annex?

NSA Northwest Annex is approximately 12 minutes by car from 5132 Charlotte Street, making it one of the closer residential options to that installation in western Chesapeake.

How far is 5132 Charlotte Street from Naval Medical Center Portsmouth?

Naval Medical Center Portsmouth is about 15 minutes away, a commute that holds up well even during typical Hampton Roads traffic patterns.

What is the flood zone status for 5132 Charlotte Street?

Flood zone designation for this address is detailed in the FloodRisk tile on this page — check that section for the most current FEMA mapping data.

Is there an HOA at 5132 Charlotte Street?

HOA status for this property is listed in the property details section — confirm directly with a licensed agent for the most up-to-date association information.

Where can I find other homes for sale in Chesapeake in the same zip code?

The homes for sale in 23321 search page on this site pulls every active listing in the zip code, making it easy to compare 5132 Charlotte Street against similar properties in the immediate area.

Tom and Dariya Milan at LPT Realty know western Chesapeake well — reach out to schedule a walkthrough or get answers to any questions about 5132 Charlotte Street.

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

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

Chesapeake$410K – $560K4+ beds

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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 X · outside the high-risk area · FIRM 510034

Flood Risk

Looking up FEMA flood zone…

Hurricane Evacuation Zone

Evacuation Zone D

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

Explore this neighborhood

Western Branch

Western Branch is a residential neighborhood in Chesapeake, Virginia, characterized by tree-lined streets and a mix of single-family homes. The area reflects the broader suburban character of Chesapeake while maintaining its own distinct identity.

$400K

Median sale · 12 mo

$203

Sold $/sq ft

33d

Days on market

50

For sale now

$95K

HH income

72%

Owner-occupied

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

Explore Western Branch
Map of Western Branch 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

$3,022/mo

Principal & interest

$2,517

Property tax

$364

Home insurance

$141

PMI

None

HOA/Condo (paid separately)

None

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

Asking vs. assessment

112% of $432,400

City assessment record · taxes $4,367/yr

Land share of assessed value

31% — $135,000

Improvements $297,400 · assessor record ✓

Price context — similar nearby homes

$424,900$448,900

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.

4914 Apricot WAY · 2 mi · 2,044 sqft$444,900 sold 2026-08
4920 Apricot WAY · 2 mi · 2,044 sqft$446,900 sold 2026-08
4928 Apricot WAY · 2 mi · 2,044 sqft$438,900 sold 2026-06

Sale & Tax History

List Price

$485,000

Price / Sq Ft

$225

Annual Taxes

$4,367

Monthly Tax

$364

HOA

None

Tax Rate (effective)

0.90%

Sale Timeline (this listing)

EventDatePriceDetail
ListedAug 22, 2026$485,000
Currently listed$485,000

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

12% above assessment

Total Assessed

$432,400

Land

$135,000

Improvement

$297,400

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

Is 5132 Charlotte St in a good school zone?+
The assigned zones on the listing record are Western Branch Primary, Western Branch Middle (VaHome School Score 6.7/10), Western Branch (VaHome School Score 6.2/10). School attendance zones can change — always confirm enrollment with the local school division.
Is 5132 Charlotte 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 5132 Charlotte St have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 5132 Charlotte St built?+
It was built in 2018, 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 Grisel Saez · Coldwell Banker Premier · REIN MLS #10649469

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.

5132 Charlotte St, Chesapeake — photo

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

Call or text (757) 777-7577

5132 Charlotte St, Chesapeake, Virginia 23321 · MLS #10649469 · 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.