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✓ Source: REIN MLS #10653643 · record updated Oct 20, 2026 · synced every 2 min · your inquiry is never resold
521 Monroe AVE, CAPE CHARLES VA 23310 - Main photo
521 Monroe AVE, CAPE CHARLES VA 23310 - Photo 2
521 Monroe AVE, CAPE CHARLES VA 23310 - Photo 3
521 Monroe AVE, CAPE CHARLES VA 23310 - Photo 4
521 Monroe AVE, CAPE CHARLES VA 23310 - Photo 5
3,072sqft
35days on market

521 Monroe Ave, Cape Charles, VA 23310

ActiveMulti Family Residential · built 1920 · CAPE CHARLES

About this home

Rare turnkey duplex investment opportunity in the heart of historic Cape Charles. Fully renovated in 2020, this coastal property features two identical units, each offering 3 bedrooms, 2 full baths, spacious living areas, full kitchens with stainless appliances, dining areas, hardwood flooring, wall-to-wall carpet, attic storage, and in-unit washers & dryers. Both units include central HVAC with heat pumps, double-pane windows, electric water heaters, patios, and off-street parking with a stone driveway. All furniture, appliances, and decor purchased in 2021 convey, making this a true move-in ready or short-term rental opportunity. Property has 4 years of established vacation rental history with strong income potential. Located just minutes from public beach access, local shops, restaurants, and entertainment in one of Virginia's most popular coastal towns. 1 unit is occupied with a year lease ending in 2027 and the other unit has several short term rentals

Listing courtesy of Steve Marable · Iron Valley Real Estate HR · REIN MLS #10653643

Facts & features

Type

Multi Family Residential

Year built

1920

Price / sqft

$289

HOA

None

Taxes

$5,925/yr

County

Northampton County VA

MLS #

10653643

Interior

Approx. sqft
3,072

Construction & exterior

Style
Side by Side
Subtype
Duplex
Foundation
Crawl
Roof
Composite
Exterior
Vinyl

Utilities & systems

Water heater
Electric
Water
City/County
Sewer
City/County

Lot, parking & ownership

Lot size
40X130X40X130
Lot features
Deck, Patio
Subdivision
CAPE CHARLES
Ownership
Fee Simple
Possession
SETTLEMENT
Disclosures
Disclosure Statement

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

A 1920s multi-family home on Monroe Avenue in Cape Charles, Virginia, offering 3,072 square feet of historic character. This property sits in a waterfront town known for its walkable downtown and preserved architecture. It's a solid option for anyone drawn to coastal living and vintage charm.

Read the full overview ↓

Why this home stands out

Built in 1920, this multi-family residence carries the architectural bones of Cape Charles's golden era. The 3,072-square-foot layout provides multiple income or occupancy potential. You'll find the kind of solid construction and period details that define the town's historic district. Its location on Monroe Avenue puts you within the heart of Cape Charles's downtown walkability and community character.

About the Cape Charles real estate market

Monroe Avenue sits in the heart of Cape Charles, a waterfront town on Virginia's Eastern Shore. The street reflects the town's early-20th-century roots—tree-lined blocks with historic homes and a genuine small-town feel. Cape Charles was planned and developed in the 1890s as a Victorian resort and port town, and that intentional design still shapes daily life today. The downtown core is walkable, with shops, restaurants, and the waterfront a short stroll away. You're about 46 minutes from Joint Base Langley-Eustis, making it a peaceful retreat rather than a commuter base. The town draws people who value slower pace, maritime heritage, and a genuine sense of place. Getting around Cape Charles is easy on foot or by car; the layout is compact and friendly.

What's nearby

Cape Charles waterfront and beach access is minutes away, offering walking trails and water views. Downtown shops and restaurants cluster within walking distance on nearby streets. The Cape Charles Museum and historic lighthouse are close by, reflecting the town's maritime heritage. Grocery and pharmacy services are available in town. The Eastern Shore's natural areas—beaches, marshlands, and wildlife refuges—surround the region. You're about 90 minutes from Virginia Beach and the larger Hampton Roads area if you need bigger-city amenities.

For different buyers

Base commute and VA loan notes

Joint Base Langley-Eustis is about 46 minutes away, making this a peaceful home-base option for those seeking distance from base traffic. VA loan financing is widely available for homes in Cape Charles. The historic character and waterfront setting appeal to buyers ready to move in and settle into a tight-knit community.

For buyers drawn to character

This 1920s multi-family residence is a piece of Cape Charles's planned Victorian heritage. Original architectural details and solid period construction define the home's appeal. You'll own a property that anchors the town's historic fabric and reflects the craftsmanship of its era. The location on Monroe Avenue places you at the center of Cape Charles's walkable, preserved downtown character.

More buyer questions

How far is 521 Monroe Avenue from Joint Base Langley-Eustis?

The property is about 46 minutes from Joint Base Langley-Eustis (Langley AFB), making it a quieter alternative for those who want distance from base proximity while still maintaining a reasonable drive.

What year was this Cape Charles home built?

The home was built in 1920, during Cape Charles's development as a planned Victorian resort and port town. It carries original period architecture and construction quality from that era.

Is Cape Charles walkable?

Yes. The town was designed with a walkable downtown core, and Monroe Avenue sits within that pedestrian-friendly heart. Shops, restaurants, and waterfront access are all within easy walking distance.

What is the square footage of 521 Monroe Avenue?

The property is 3,072 square feet and configured as a multi-family residence, offering multiple-unit or income potential.

Where is Cape Charles located?

Cape Charles is on Virginia's Eastern Shore, about 90 minutes from Virginia Beach and the larger Hampton Roads region. It's a waterfront town known for its preserved Victorian architecture and maritime heritage.

Ready to explore this historic Cape Charles property? Contact Tom & Dariya Milan to schedule a tour and learn more about 521 Monroe Avenue.

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

Cape Charles$755K – $1M

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.

  • ElementaryKiptopeke Elementary
    —
  • MiddleOther Middle School
    —
  • HighNorthampton
    —

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 51131C

Flood Risk (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 51131C

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

5.7 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

Evacuation Zone C

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

Military Commute

Drive times to nearest bases

JBLE Langley

Air Force

92min·74.9mi

Little Creek

Navy

45min·34.2mi

NS Norfolk

Navy

55min·44.4mi

MARFORCOM

Marines

57min·45.3mi

NSA HR

Navy

59min·45.8mi

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

$5,366/mo

Principal & interest

$4,613

Property tax

$494

Home insurance

$259

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

Price context — similar nearby homes

$850,000 – $1,200,000

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.

601 Pine ST · 0.3 mi · 3,012 sqft$1,090,000 sold 2026-06
172 Sunset BLVD · 0.5 mi · 3,399 sqft$950,000 sold 2026-05
230 Muirfield DR · 1.2 mi · 3,065 sqft$1,200,000 sold 2026-07

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

Sale & Tax History

List Price

$889,000

Price / Sq Ft

$289

Annual Taxes

$5,925

Monthly Tax

$494

HOA

None

Tax Rate (effective)

0.67%

Sale Timeline (this listing)

EventDatePriceDetail
ListedSep 15, 2026$889,000—
Price reducedOct 20, 2026$889,000−$10,000
Currently listed—$889,000—

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:

Cape Charles 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

35 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 521 Monroe Ave in a good school zone?+
The assigned zones on the listing record are Kiptopeke Elementary, Other Middle School, Northampton. School attendance zones can change — always confirm enrollment with the local school division.
Is 521 Monroe Ave 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.
Is there a gym near 521 Monroe Ave?+
Yes — Sky's The Limit Yoga Co is about 0.3 miles away, per the cached nearby-places record for this address.
Are there parks near 521 Monroe Ave?+
Central Park is about 0.1 miles away.
Where is the nearest grocery store to 521 Monroe Ave?+
Drizzles Oil & Vinegar Tasting Store is about 0.2 miles away. The closest dining on record is Coastal Baking Co. (0.2 mi).
Does 521 Monroe Ave have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 521 Monroe Ave built?+
It was built in 1920, 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 Steve Marable · Iron Valley Real Estate HR · REIN MLS #10653643

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.

521 Monroe Ave, Cape Charles — photo

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

Call or text (757) 777-7577

521 Monroe Ave, Cape Charles, Virginia 23310 · MLS #10653643 · 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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