Toano › WHITE HALL › 8409 Addison Ter✓ Source: REIN MLS #10605929 · record updated Jun 18, 2026 · synced every 2 min · your inquiry is never resold

8409 Addison TER, TOANO VA 23168 - Main photo

8409 Addison TER, TOANO VA 23168 - Photo 2

8409 Addison TER, TOANO VA 23168 - Photo 3

8409 Addison TER, TOANO VA 23168 - Photo 4

8409 Addison TER, TOANO VA 23168 - Photo 5

$525,000

$189 / sqft · est. $3,313/mo →

4beds

3.1baths

2,773sqft

35days on market

8409 Addison Ter, Toano, VA 23168

Name: 8409 Addison TER, Toano, Virginia 23168
Brand: Liz Moore & Associates LLC
Price: 525000 USD
Availability: InStock

Under ContractResidential · built 2017 · WHITE HALL

Chapter · The Water

Life on the water

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

Frontage

Ocean ✓ VERIFIED

Source: REIN MLS listing record · waterfront features as listed

About this home

The listing, in the seller's words

Built in 2017, this 2,773 sq. ft. home in White Hall offers 4 bedrooms, 3.5 baths, & an open floor plan w/ LVP throughout the entire first floor, a bright kitchen w/ granite countertop, a walk-in pantry for added storage, a formal dining room & first-floor flex space that can serve as a 5th bedroom, playroom, or office. Upstairs features three bedrooms & a loft, plus a private bedroom w/ full bath over the garage, ideal for an in-law or guest suite. The primary bathroom includes frameless glass, standalone shower & separate soaking tub in a fully tiled space w/ a granite countertop. Community amenities include walking trails, basketball & tennis courts, clubhouse, playground, pool, & the location offers proximity to multiple schools. Additional features include a two-car garage and a tankless hot water heater. An assumable VA loan of 2.375% is available, subject to lender/VA approval & buyer eligibility. A rare blend of flexible spaces, modern finishes, and ready for your next chapter.

Listing courtesy of Michelle Niven · Liz Moore & Associates LLC · REIN MLS #10605929

Schools

ElementaryStonehouse Elementary School
6/10
MiddleToano Middle School
7/10
HighWarhill High School
6/10

Info provided by GreatSchools

Facts & features

The record, sourced

Type

Residential

Year built

2017

Price / sqft

$189

HOA fee

$86/mo

Taxes

$4,194/yr

County

James City County VA

Waterfront

Yes

MLS #

10605929

HOA association includes

ClubhousePlaygroundsPoolTennis CtsTrash Pickup

$86/mo HOA fee · n/a · per the REIN MLS listing record — confirm inclusions with the association.

Interior

Bedrooms: 4
Full baths: 3
Half baths: 1
Approx. sqft: 2,773
Stories: 2
Flooring: Carpet, Ceramic, Laminate/LVP
Ensuite bedrooms: 2
Total rooms: 9
Other rooms: Attic, Breakfast Area, Fin. Rm Over Gar, PBR with Bath, Office/Study, Pantry, Porch, Rec Room
Appliances: Dishwasher, Disposal, Dryer, Dryer Hookup, Microwave, Elec Range, Refrigerator, Washer, Washer Hookup
Equipment: Ceiling Fan, Gar Door Opener

Construction & exterior

Style: Craftsman
Subtype: Detached
Foundation: Crawl
Roof: Asphalt Shingle,Composite
Exterior: Vinyl
Pool: No Pool
Waterfront: Ocean

Utilities & systems

Heating: Forced Hot Air, Zoned
Cooling: Central Air, Zoned
Water heater: Gas
Water: City/County
Sewer: City/County

Lot, parking & ownership

Lot size: 0.1500
Subdivision: WHITE HALL
Zoning: R2
Ownership: Fee Simple
Garage: Yes
Parking: Garage Att 2 Car, 2 Space, Off Street, Driveway Spc
Possession: AT CLOSING
Disclosures: Common Interest Community, Disclosure Statement

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

Flood & environment

FEMA flood zone X · outside the high-risk area · FIRM 51095C

Flood Risk

Looking up FEMA flood zone…

Hurricane Evacuation Zone

Not in a designated hurricane evacuation zone.

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

$3,313/mo

Down payment20% · $105,000

Interest rate6.75%

Loan term30 years

Principal & interest

$2,724

Property tax

$350

Home insurance

$153

PMI

None

HOA

$86

Estimate only. 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

$393,000 – $531,000

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.

3424 Colony Mill RD · 0.7 mi · 2,724 sqft$469,000 sold 2026-03

3408 Frederick DR · 0.6 mi · 2,585 sqft$470,000 sold 2026-06

3335 Hickory Neck BLVD · 0.2 mi · 2,315 sqft$480,000 sold 2026-06

Sale & Tax History

List Price

$525,000

Price / Sq Ft

$189

Annual Taxes

$4,194

Monthly Tax

$350

HOA fee

$86 / mo

Tax Rate (effective)

0.80%

Sale Timeline (this listing)

Event	Date	Price	Detail
Listed	May 14, 2026	$525,000	—
Currently listed	—	$525,000	—

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:

Toano 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

Real questions, answered from the record

Is 8409 Addison Ter in a good school zone?+

The assigned zones on the listing record are Stonehouse Elementary (GreatSchools 6/10), Toano Middle (GreatSchools 7/10), Warhill (GreatSchools 6/10). School attendance zones can change — always confirm enrollment with the local school division.

Is 8409 Addison Ter 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 8409 Addison Ter?+

Yes — Elite Health and Fitness is about 0.7 miles away, per the cached nearby-places record for this address.

Is 8409 Addison Ter a waterfront property?+

Yes. The listing record shows: Ocean.

Does 8409 Addison Ter have an HOA?+

Yes — HOA dues are on record for this property (the current amount is shown in the facts section on this page). The association of record is n/a. Association amenities on record include: Clubhouse, Playgrounds, Pool, Tennis Cts, Trash Pickup.

When was 8409 Addison Ter built?+

It was built in 2017, 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

Tom & Dariya Milan

LPT Realty · Hampton Roads · answer their own phone

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

Listing courtesy of Michelle Niven · Liz Moore & Associates LLC · REIN MLS #10605929

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

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

Call or text (757) 777-7577

8409 Addison Ter, Toano, Virginia 23168 · MLS #10605929 · 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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