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Cape Charles › CAPE CHARLES › 521 Monroe Ave✓ Source: REIN MLS #10634730 · record updated May 22, 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
$899,000
$293 / sqft · est. $5,421/mo →
3,072sqft
84days on market

521 Monroe Ave, Cape Charles, VA 23310

ActiveMulti Family Residential · built 1920 · CAPE CHARLES

Facts & features

Type

Multi Family Residential

Year built

1920

Price / sqft

$293

HOA

None

Taxes

$5,925/yr

County

Northampton County VA

MLS #

10634730

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 · null fields are suppressed, never faked

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 through August 2026

Listing courtesy of Steve Marable · Iron Valley Real Estate HR · REIN MLS #10634730

VaHome team overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · LPT Realty

At a glance

521 Monroe Avenue is a century-old multi-family property in the heart of Cape Charles, Virginia — a walkable, small-town gem on the Chesapeake Bay. At 3,072 square feet and built in 1920, it sits steps from restaurants, coffee shops, and the waterfront lifestyle that defines this Eastern Shore town.

Read the full overview ↓

Why this home stands out

What sets 521 Monroe Avenue apart is the rare combination of historic 1920s architecture and genuine multi-family flexibility in one of Virginia's most charming coastal towns. Cape Charles is a tight-knit, walkable community where properties of this era and scale are genuinely uncommon. The 3,072-square-foot footprint gives you room to spread out, configure creatively, or simply enjoy a piece of living history on the Eastern Shore.

About the Cape Charles real estate market

Cape Charles is a small, beautifully preserved town on the southern tip of Virginia's Eastern Shore — bordered by the Chesapeake Bay to the west and the Atlantic coast to the east. The historic district, where 521 Monroe Avenue sits, is a grid of tree-lined streets, Victorian and Colonial Revival homes, and a genuine small-town rhythm that feels increasingly rare. The town's downtown core is just a short walk away, packed with independent shops, galleries, and restaurants. Central Park anchors the neighborhood with open green space, and the bay beach is within easy reach for evening walks or weekend afternoons. Northampton County governs the area, and the overall pace here is unhurried without feeling remote — the Chesapeake Bay Bridge-Tunnel connects the Eastern Shore to Virginia Beach and the broader Hampton Roads metro in under an hour.

What's nearby

Daily life at 521 Monroe Avenue is genuinely walkable. El Soul, Rayfield Fountain, and Cape Charles Mini Golf & Albatross Cafe are all within two blocks for casual dining. Coffee is covered multiple ways — Peach Street Books, Edible Picasso, and Cape Charles Coffee House are all under half a mile. For specialty groceries, Drizzles Oil & Vinegar Tasting Store and Gull Hummock Gourmet Market are close by. Sky's The Limit Yoga Co is practically next door at 0.1 miles, and Cape Charles Natural Area Preserve offers a quieter outdoor escape less than a mile out.

For different buyers

For military families relocating

Joint Base Langley-Eustis is roughly 46 minutes from 521 Monroe Avenue — a manageable commute that puts you in one of Virginia's most distinctive small towns rather than a generic suburb. Cape Charles offers a genuinely different quality of life: walkable streets, bay access, and a tight-knit community that tends to hold its character well across PCS cycles.

For buyers drawn to character

If you're drawn to homes with real history, 521 Monroe Avenue delivers. Built in 1920, it carries the architectural DNA of Cape Charles's historic district — a town that has worked hard to preserve its original streetscape and scale. Owning a multi-family property here means you're part of that story, with a 3,072-square-foot canvas that rewards thoughtful stewardship.

More buyer questions

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

The drive from 521 Monroe Avenue to Joint Base Langley-Eustis is approximately 46 minutes under normal traffic conditions, crossing the Chesapeake Bay Bridge-Tunnel and heading south toward Hampton.

What is the walkability like around 521 Monroe Avenue?

Walkability is one of the property's strongest assets — restaurants, coffee shops, a yoga studio, and green space are all within a few blocks, and the bay beach is reachable on foot or by bike.

Is 521 Monroe Avenue in a historic district?

Yes, the property sits within Cape Charles's historic district, which is known for its well-preserved late-19th and early-20th century architecture and is listed on the National Register of Historic Places.

Does 521 Monroe Avenue have an HOA?

Cape Charles's historic district does not typically carry a mandatory HOA for properties like this one, though the town does have design review guidelines for exterior changes in the historic area — worth confirming during due diligence.

Are there flood zone considerations for 521 Monroe Avenue?

Cape Charles is a coastal community, so flood zone status is worth reviewing carefully — check the FloodRisk tile on this page for the current FEMA flood zone designation specific to this address.

Want to know more about 521 Monroe Avenue or Cape Charles as a whole? Tom and Dariya Milan are happy to walk you through the details — reach out anytime at vahome.com.

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

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

Cape Charles$760K – $1M

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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

Looking up FEMA flood zone…

Hurricane Evacuation Zone

Evacuation Zone C

Source: Virginia Dept. of Emergency Management — Know Your 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

$5,421/mo

Principal & interest

$4,665

Property tax

$494

Home insurance

$262

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

Price context — similar nearby homes

$950,000 – $1,200,000

The 6 most similar homes nearby (same city, within ~20% of this size, ~2.5 mi; 4 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

Sale & Tax History

List Price

$899,000

Price / Sq Ft

$293

Annual Taxes

$5,925

Monthly Tax

$494

HOA

None

Tax Rate (effective)

0.66%

Sale Timeline (this listing)

EventDatePriceDetail
ListedMay 12, 2026$899,000—
Currently listed—$899,000—

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

84 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

LPT Realty · Hampton Roads · answer their own phone

✓ Your inquiry goes to Tom & Dariya — never sold to strangers

Listing courtesy of Steve Marable · Iron Valley Real Estate HR · REIN MLS #10634730

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 #10634730 · 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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