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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

About this home

The listing, in the seller's words

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

Schools

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

Info provided by GreatSchools

Facts & features

The record, sourced

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

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

Why we show no algorithmic estimate.

National AVMs misprice homes whose value drivers they can't see. Instead: the sourced assessment above, the carrying cost, real price history, and honest comparables below.

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

Real questions, answered from the record

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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