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Cape Charles › CAPE CHARLES › 637 Madison Ave✓ Source: REIN MLS #10637323 · record updated Sep 29, 2026 · synced every 2 min · your inquiry is never resold
637 Madison AVE, CAPE CHARLES VA 23310 - Main photo
637 Madison AVE, CAPE CHARLES VA 23310 - Photo 2
637 Madison AVE, CAPE CHARLES VA 23310 - Photo 3
637 Madison AVE, CAPE CHARLES VA 23310 - Photo 4
637 Madison AVE, CAPE CHARLES VA 23310 - Photo 5
4beds
2.1baths
1,944sqft
120days on market

637 Madison Ave, Cape Charles, VA 23310

ActiveResidential · built 1930 · CAPE CHARLES

Facts & features

Type

Residential

Year built

1930

Price / sqft

$291

HOA

None

County

Northampton County VA

MLS #

10637323

Interior

Bedrooms
4
Full baths
2
Half baths
1
Approx. sqft
1,944
Stories
2
Flooring
Bamboo, Ceramic, Wood
Ensuite bedrooms
1
First-floor bed & full bath
Yes
Total rooms
11
Other rooms
1st Floor BR, Assigned Storage, Attic, Porch, Screened Porch, Rec Room, Spare Room, 1st Floor Primary BR
Appliances
Dishwasher, Disposal, Dryer, Dryer Hookup, Microwave, Range, Gas Range, Refrigerator, Washer, Washer Hookup
Equipment
Cable Hookup, Ceiling Fan
Accessibility
Grab bars

Construction & exterior

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

Utilities & systems

Heating
Basebd, Electric, Oil
Cooling
Window/Wall, Zoned
Water heater
Electric
Water
City/County
Sewer
City/County

Lot, parking & ownership

Lot size
0.0600
Subdivision
CAPE CHARLES
Ownership
Fee Simple
Garage
No
Parking
Driveway Spc, Street
Possession
SIMPLE
Disclosures
Historical District, Owner Agent

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

About this home

Charming 4 Bedroom Beach Cottage with Timeless Character in the Heart of Historic Cape Charles! Tucked into one of Virginia's most beloved coastal towns, this enchanting cottage is bursting with personality and charm. Beautiful hardwood floors flow throughout every room, creating a warm and inviting atmosphere that instantly feels like home. The thoughtful layout offers wonderful single-level living with a primary en-suite on the first floor, a spacious full kitchen with an eat-in dining room, a welcoming living room, and the convenience of first-floor laundry. Upstairs you will find three additional bedrooms, a full bath, and a fantastic second living room or a game room. Entertain on the screened-in porch, a retreat for morning coffee and evening sunsets. The Trex decking, fully fenced yard, and private outdoor shower make this home as functional as it is charming. Cape Charles itself is the crown jewel of Virginia's Eastern Shore, a charming seaside town known for its pristine beaches, boutique shops, farm-to-table dining, and a small-town spirit. Hardwood floors throughout, a primary en-suite on the first floor, first-floor laundry, 2.5 bathrooms, Trex decking, a screened-in porch enjoyable year-round, a private outdoor shower, and a fully fenced yard, in the heart of historic Cape Charles. This is more than a home. It is a lifestyle. Come experience it for yourself.

Listing courtesy of Kelly Jenne · Swell Realty Co · REIN MLS #10637323

Tom & Dariya's overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · Brokered by LPT Realty

At a glance

637 Madison Avenue is a four-bedroom, 1930s home in the heart of Cape Charles, Virginia. At 1,944 square feet, it offers real room to spread out on a walkable downtown block. Daily life here means coffee, dining, and the bay all within a short walk. This is small-town coastal living at its most genuine.

Read the full overview ↓

Why this home stands out

Homes built in 1930 carry a character that newer construction simply cannot replicate. At 637 Madison Avenue, that means original-era bones paired with a layout that still works for everyday life. Four bedrooms and two and a half baths give you real flexibility. The block itself is part of what makes this address special — you are steps from Cape Charles's best restaurants, shops, and green space, yet the street stays quiet and residential.

About the Cape Charles real estate market

Cape Charles sits on the southern tip of Virginia's Eastern Shore, facing the Chesapeake Bay. The town was founded as a railroad terminus in the 1880s, and its historic district is one of the best-preserved Victorian streetscapes on the East Coast. Madison Avenue runs right through that district. The blocks here are lined with craftsman bungalows, Victorian foursquares, and colonial revivals — all on generous lots with mature trees and wide sidewalks. It is the kind of street that anchors homes for sale in 23310 to a real sense of place. The town itself is small by design — about 1,000 residents — and that scale is exactly the point. A walkable grid connects you to the beach, the harbor, shops, and restaurants without ever needing a car. Northampton County governs the area, and the town has its own active arts and events scene. Getting off the peninsula means crossing the Chesapeake Bay Bridge-Tunnel into Virginia Beach, about 70 miles south.

What's nearby

Step outside and you are already close to nearly everything Cape Charles offers. El Soul and Rayfield Fountain are both within two blocks for dinner. Cape Charles Mini Golf and Albatross Cafe is just as close for a casual afternoon. Coffee is covered by Peach Street Books, Edible Picasso, and Cape Charles Coffee House — all under half a mile. Drizzles Oil and Vinegar Tasting Store and Gull Hummock Gourmet Market handle specialty grocery runs nearby. Central Park is a three-minute walk for open green space. Sky's The Limit Yoga Co is just a block away. Cape Charles Natural Area Preserve is less than a mile out for hiking and birding along the bay.

For different buyers

Base commute and VA loan notes

Joint Base Langley-Eustis is about 46 minutes by car via the Bay Bridge-Tunnel. VA loan financing is common in this part of the Eastern Shore, and the town's small size means very little logistical friction when a move happens quickly. Four bedrooms give you options from day one.

For first-time buyers

A 1930s home in a walkable historic district is a rare entry point. Four bedrooms and two and a half baths give you more space than most first purchases. The town's compact scale means low-car daily living is genuinely possible. Anyone comparing homes for sale in 23310 will find that this address punches well above its size.

More buyer questions

How far is 637 Madison Avenue from Joint Base Langley-Eustis?

The drive is about 46 minutes, heading south via the Chesapeake Bay Bridge-Tunnel into Hampton. Traffic on the bridge can add time during peak hours.

What is the architectural style of the home at 637 Madison Avenue?

The home was built in 1930 and sits within Cape Charles's National Register historic district, where craftsman and colonial revival styles are most common on Madison Avenue.

Is 637 Madison Avenue in a flood zone?

Cape Charles is a coastal town on the Chesapeake Bay, so flood zone status is an important detail to verify. The separate FloodRisk tile on this page has the current FEMA designation for this address.

Where is the nearest beach to 637 Madison Avenue?

Cape Charles Beach on the Chesapeake Bay is about a five-minute walk west from Madison Avenue. It is a calm, shallow-water beach popular for swimming and kayaking.

Does Cape Charles have an HOA?

Cape Charles is a municipality, not a planned HOA community, so there is no private homeowners association governing 637 Madison Avenue. The town has its own historic district design guidelines that apply to exterior changes.

Want to see 637 Madison Avenue in person? Tom and Dariya Milan can arrange a tour and answer every question about Cape Charles before you visit.

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

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

Cape Charles$480K – $650K4+ beds

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

7.6 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

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

$3,096/mo

Principal & interest

$2,932

Property tax

$0

Home insurance

$165

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

$454,000 – $975,000

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.

315 Troon CT · 1.1 mi · 1,800 sqft$540,000 sold 2026-06
702 Prestwick TURN · 1.1 mi · 1,794 sqft$460,000 sold 2026-09
3201 Bunbury Plantation CT · 1.6 mi · 1,913 sqft$454,000 sold 2026-05

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

Sale & Tax History

List Price

$565,000

Price / Sq Ft

$291

Annual Taxes

N/A

Monthly Tax

N/A

HOA

None

Tax Rate (effective)

N/A

Sale Timeline (this listing)

EventDatePriceDetail
ListedJun 1, 2026$565,000—
Price reducedSep 29, 2026$565,000−$34,999
Currently listed—$565,000—

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

120 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 637 Madison 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 637 Madison 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 637 Madison 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 637 Madison Ave?+
Central Park is about 0.2 miles away.
Where is the nearest grocery store to 637 Madison Ave?+
Drizzles Oil & Vinegar Tasting Store is about 0.4 miles away. The closest dining on record is Rayfield Fountain (0.3 mi).
Does 637 Madison Ave have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 637 Madison Ave built?+
It was built in 1930, 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 · answer their own phone

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

Listing courtesy of Kelly Jenne · Swell Realty Co · REIN MLS #10637323

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.

637 Madison Ave, Cape Charles — photo

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

Call or text (757) 777-7577

637 Madison Ave, Cape Charles, Virginia 23310 · MLS #10637323 · 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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