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✓ Source: REIN MLS #10615985 · record updated Aug 31, 2026 · synced every 2 min · your inquiry is never resold
520 Spivey LN, SEAFORD VA 23696 - Main photo
4beds
2.1baths
1,770sqft
229days on market

520 Spivey Ln, Seaford, VA 23696

Off MarketResidential · built 1940 · ALL OTHERS AREA 112

Chapter · The Water

Life on the water

The waterfront is the reason this home exists. Its water record, straight from the listing: Deep Water, Navigable.

Frontage

Waterfront ✓ VERIFIED

Access

Deep-water access

Source: REIN MLS listing record · waterfront features as listed

About this home

Charming waterfront cottage with a detached carriage house situated on 5.51 private acres along scenic Chisman Creek. This unique property offers 4 bedrooms, 2.5 bathrooms, and over 1,770 square feet of total living space.The main cottage features open-concept living areas, two bedrooms, and one full bathroom for comfortable everyday living. The detached carriage house includes two additional bedrooms and 1.5 bathrooms, a get away for guests, extended family, or your college age children. Enjoy expansive wraparound decking with peaceful water views and the potential to add a private pier for boating or kayaking. This listing is not only for 520 Spivey Lane but also 600 Spivey Lane making that total acreage 5.51. An adjacent 1.64-acre property known as "The Main House" is also available, offering a rare opportunity to create a multi-home family estate. Reach out today for more information.

Listing courtesy of Bradley Gregerson · Keller Williams Realty Twn Ctr · REIN MLS #10615985

Facts & features

Type

Residential

Year built

1940

Price / sqft

$506

HOA

None

Taxes

$5,931/yr

County

York County VA

Waterfront

Yes

MLS #

10615985

Interior

Bedrooms
4
Full baths
2
Half baths
1
Approx. sqft
1,770
Stories
2
Flooring
Carpet, Ceramic, Wood
Total rooms
7
Other rooms
1st Floor BR, Attic, Breakfast Area, Fin. Rm Over Gar, Utility Closet
Interior features
Pull Down Attic Stairs
Appliances
Dishwasher, Disposal, Dryer, Microwave, Elec Range, Refrigerator, Washer
Equipment
Cable Hookup, Ceiling Fan, Gar Door Opener
Accessibility
Lift

Construction & exterior

Style
Cottage
Subtype
Detached
Foundation
Crawl,Slab
Roof
Asphalt Shingle
Exterior
Masonry,Vinyl
Exterior features
Deck, Patio, Wooded
Pool
No Pool
Waterfront
Deep Water,Navigable
Deep-water access
Yes

Utilities & systems

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

Lot, parking & ownership

Lot size
5.5100
Approx. acres
5.51
Subdivision
ALL OTHERS AREA 112
Zoning
RC
Ownership
Fee Simple
Garage
Yes
Parking
Garage Det 2 Car, 4 Space, Off Street, Driveway Spc
Possession
CLOSING
Disclosures
Disclosure Statement

See more Seaford waterfront homes.

Sources: REIN MLS record · city assessor

Keep searching in Seaford

See all Seaford homes for sale, including homes for sale in 23696 and homes for sale zoned for York High School. Nearby, look at Seaford waterfront homes for sale, Seaford condos and townhomes for sale, and new construction homes in Seaford.

How Far Is?

Driving distance by road and typical drive time via Google Maps, to the nearest location of each. Straight-line distances in “What’s nearby” are shorter.

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

Seaford$760K – $1M4+ 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 AE · base flood elevation 9 ft · Special Flood Hazard Area (flood insurance typically required) · FIRM 51199C

Flood Risk (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 51199C

High Risk

FEMA flood zone

AE (1% annual chance)

Base flood elevation

9 ft above sea level

Property elevation

4.7 ft above sea level

4.3 ft below BFE

USGS 3DEP digital elevation model

Special Flood Hazard Area — 1% annual chance of flooding. Federal flood insurance is required on most mortgages.

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.

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

houses for sale in Seaford →

Location intelligence

What's nearby

Location & Neighborhood

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

Military Commute

Drive times to nearest bases

JBLE Langley

Air Force

41min·24.2mi

NWS Yorktown

Navy

23min·12.7mi

JBLE Ft Eustis

Army

25min·14.1mi

Camp Peary

DoD

33min·22.7mi

NSA HR

Navy

66min·47.8mi

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

$5,399/mo

Principal & interest

$4,644

Property tax

$494

Home insurance

$261

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

Comparables

Asking vs. assessment

174% of $514,000

City assessment record · taxes $5,931/yr

Land share of assessed value

58% — $300,500

Improvements $213,500 · assessor record ✓

Price context — similar nearby homes

$231,000 – $652,700

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.

312 Sharon DR · 1.6 mi · 1,800 sqft$420,000 sold 2026-04
108 Evergreen CIR · 1 mi · 1,496 sqft$231,000 sold 2026-03
315 Sharon DR · 1.6 mi · 1,804 sqft$487,000 sold 2026-07

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

Sale & Tax History

List Price

$895,000

Price / Sq Ft

$506

Annual Taxes

$5,931

Monthly Tax

$494

HOA

None

Tax Rate (effective)

0.66%

Sale Timeline (this listing)

EventDatePriceDetail
ListedJan 14, 2026$895,000—
Currently listed—$895,000—

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

74% above assessment

Total Assessed

$514,000

Land

$300,500

Improvement

$213,500

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:

Seaford 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.

Questions buyers ask

Is 520 Spivey Ln in a good school zone?+
The assigned zones on the listing record are Seaford Elementary, Yorktown Middle (VaHome School Score 7.8/10), York (VaHome School Score 8.2/10). School attendance zones can change — always confirm enrollment with the local school division.
Is 520 Spivey Ln in a flood zone?+
FEMA maps this parcel in Zone AE with a base flood elevation of 9 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.
Are there parks near 520 Spivey Ln?+
Duck Blind Sandbar is about 0.2 miles away.
Is 520 Spivey Ln a waterfront property?+
Yes. The listing record shows: Deep Water,Navigable.
Does 520 Spivey Ln have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 520 Spivey Ln built?+
It was built in 1940, 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 Bradley Gregerson · Keller Williams Realty Twn Ctr · REIN MLS #10615985

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.

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520 Spivey Ln, Seaford — photo

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

Call or text (757) 777-7577

520 Spivey Ln, Seaford, Virginia 23696 · MLS #10615985 · 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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