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NorfolkOCEAN VIEW9544 20th Bay &Amp; 9546 20th Bay St✓ Source: REIN MLS #10627855 · record updated Jul 17, 2026 · synced every 2 min · your inquiry is never resold
9544 20th Bay & 9546 20th Bay ST, NORFOLK VA 23518 - Main photo
$995,000
$226 / sqft · est. $6,046/mo →
4,400sqft
105days on market

9544 20th Bay &Amp; 9546 20th Bay St, Norfolk, VA 23518

SoldMulti Family Residential · built 1961 · OCEAN VIEW

About this home

The listing, in the seller's words

Two side by side 4/2s with yards and two side by side 2/1s. Exterior just completely redone with James Hardie Board and Batten and shake in gables. New Simonton windows and new doors. 2 of the kitchens recently completely redone and still doing updates. Rents are target prices once work is completed. at least 6 off street parking spaces and a lot of greenspace for tenants. 1/2 block from recreation center, basket ball courts, playground and Pretty Lake fishing pier and 2 blocks to beach. Cova Brewing, East Beach Square shopping center, and other restaurants within a couple blocks. Incredible location in East Ocean View that will be a great rental portfolio addition or live in one unit and rent the rest.

Listing courtesy of Aric Martinez · Thrive Realty · REIN MLS #10627855

VaHome team overview

Our read on this home

At a glance

Meet 9544–9546 20th Bay Street — a 4,400-square-foot, 1961-built multi-family property in Norfolk's Ocean View neighborhood, sitting just four minutes from JEB Little Creek-Fort Story and steps from the beach, local dining, and everyday conveniences.

Read the full overview ↓

Why this home stands out

A dual-address multi-family footprint this close to the water and two major military installations is genuinely rare. At 4,400 square feet built in 1961, this Ocean View property offers substantial square footage on a street where beach access, a walkable restaurant strip, and a craft brewery are all within a few blocks — a combination that's hard to replicate anywhere else in Norfolk.

OCEAN VIEW and the Norfolk real estate market

Ocean View is one of Norfolk's most distinctive coastal communities, stretching along the southern shore of the Chesapeake Bay with a laid-back, neighborhood-first personality that sets it apart from the rest of the city. For anyone browsing homes for sale in norfolk va, Ocean View tends to stand out quickly — it pairs genuine waterfront proximity with a grounded, residential feel that newer developments rarely achieve. The area has seen steady reinvestment over the past two decades, with the East Beach section in particular drawing attention for its walkable village atmosphere, local businesses, and direct bay access. Streets here are lined with a mix of mid-century homes, updated cottages, and the occasional larger multi-family structure, all within easy reach of the Chesapeake Bay shoreline. Norfolk as a whole offers strong infrastructure, a diverse economy anchored by the military and healthcare sectors, and a downtown arts and dining scene about 20 minutes south. Ocean View gives you the quieter, coastal side of that equation.

What's nearby

Daily life at 20th Bay Street is remarkably convenient. Sandfiddler Cafe, AJ Gator's Sports Bar & Grill, and Mahalo Poke House are all within a block, making walkable dinners a regular option. COVA Brewing Company is 0.2 miles away for a craft beer or a casual meetup. Groceries are covered by Riffle Farms Market & Co-op at 0.2 miles, Food Lion at 0.8 miles, and Dollar General at 0.6 miles. Fitness options are plentiful — Fit Body Boot Camp, Xtras Fitness + Wellness, and Project SixKiller Performance are all within a third of a mile. East Beach Fountain Square and Park, a Community Garden, and 17th Bay Beach Access round out the outdoor options nearby.

For different buyers

For military families relocating

Four minutes to JEB Little Creek-Fort Story and twelve minutes to Naval Station Norfolk — it's difficult to find a multi-family property in Ocean View with this kind of dual-base access. Whether you're using a VA loan to purchase or simply prioritizing a short commute, 9544–9546 20th Bay Street puts you in an enviable position relative to BAH rates and base proximity.

For buyers drawn to character

There's something genuinely appealing about a 1961-built multi-family structure in a neighborhood that has been quietly evolving for decades. Ocean View has history, texture, and a beach-town personality that newer suburbs simply don't replicate. If you want a property with a sense of place — walkable, coastal, rooted — this address delivers that in a way that's hard to manufacture.

More buyer questions

How far is 9544 20th Bay Street from JEB Little Creek-Fort Story?

The drive is approximately 4 minutes, making this one of the closest multi-family properties to the base available in the Ocean View area. That proximity is a significant practical advantage for active-duty personnel assigned there.

How far is 9544 20th Bay Street from Naval Station Norfolk?

Naval Station Norfolk is roughly 12 minutes by car, giving this address strong access to both of Hampton Roads' largest installations.

What is the Ocean View neighborhood like?

Ocean View is a coastal residential community along the Chesapeake Bay in northern Norfolk, known for its beach access, walkable local businesses, and a mix of mid-century and updated homes. The East Beach section near this address has seen significant revitalization and has a distinct village-like character.

Is 9544–9546 20th Bay Street in a flood zone?

Flood zone status for this address is detailed in the FloodRisk tile on this page — we recommend reviewing that information and consulting with your agent or lender as part of your due diligence on any coastal property.

Where is the nearest beach access to 9544 20th Bay Street?

17th Bay Beach Access is approximately 0.3 miles away, and East Beach Fountain Square and Park is 0.2 miles from the address — both are walkable from the front door.

Want to know more about 9544–9546 20th Bay Street or other multi-family opportunities in Ocean View? Tom and Dariya Milan at LPT Realty are ready to walk you through every detail.

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

Schools

Info provided by GreatSchools

Facts & features

The record, sourced

Type

Multi Family Residential

Year built

1961

Price / sqft

$226

HOA

None

Taxes

$7,114/yr

County

Norfolk VA

Waterfront

Yes

MLS #

10627855

Interior

Approx. sqft
4,400

Construction & exterior

Style
Side by Side
Subtype
Quadruplex
Foundation
Crawl
Roof
Asphalt Shingle
Exterior
Fiber Cement
Waterfront
Not Waterfront

Utilities & systems

Water heater
Electric
Water
City/County
Sewer
City/County

Lot, parking & ownership

Subdivision
OCEAN VIEW
Zoning
R-12
Ownership
Fee Simple
Possession
SETTLEMENT
Miscellaneous
Rehabilitated
Disclosures
Disclosure Statement

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

Flood & environment

FEMA flood zone AE · base flood elevation 7 ft · Special Flood Hazard Area (flood insurance typically required) · FIRM 510104

Flood Risk

Looking up FEMA flood zone…

Zone AE typically means lenders require flood insurance — factor it into the monthly numbers below.

Hurricane Evacuation Zone

Evacuation Zone A

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

Explore this neighborhood

Ocean View

Ocean View is a waterfront neighborhood in Norfolk, Virginia, known for its access to the Chesapeake Bay and maritime character.

$385K

Median sale · 12 mo

$255

Sold $/sq ft

26d

Days on market

72

For sale now

$61K

HH income

36.5%

Owner-occupied

REIN MLS closed sales, trailing 12 mo · U.S. Census ACS 2024 5-year

Explore Ocean View
Map of Ocean View with neighborhood boundaryNeighborhood

browse Norfolk listings

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

$6,046/mo

Principal & interest

$5,163

Property tax

$593

Home insurance

$290

PMI

None

HOA

None

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

Asking vs. assessment

172% of $578,400

City assessment record · taxes $7,114/yr

Land share of assessed value

29% — $168,500

Improvements $409,900 · assessor record ✓

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

$805,000$1,700,000

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.

9563 15th Bay ST · 0.4 mi · 4,400 sqft$805,000 sold 2026-07
9661 26th Bay ST · 0.4 mi · 4,457 sqft$1,400,000 sold 2026-02
4019 Rugosa Rose CT · 0.2 mi · 4,059 sqft$1,350,000 sold 2026-06

Sale & Tax History

List Price

$995,000

Price / Sq Ft

$226

Annual Taxes

$7,114

Monthly Tax

$593

HOA

None

Tax Rate (effective)

0.71%

Sale Timeline (this listing)

EventDatePriceDetail
ListedApr 3, 2026$995,000
SoldJul 15, 2026$995,000

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

72% above assessment

Total Assessed

$578,400

Land

$168,500

Improvement

$409,900

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:

Norfolk Real Estate Assessor

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 9544 20th Bay &Amp; 9546 20th Bay St in a good school zone?+
The assigned zones on the listing record are Little Creek Elementary (GreatSchools 4/10), Azalea Gardens Middle, Lake Taylor (GreatSchools 3/10). School attendance zones can change — always confirm enrollment with the local school division.
Is 9544 20th Bay &Amp; 9546 20th Bay St in a flood zone?+
FEMA maps this parcel in Zone AE with a base flood elevation of 7 ft — a high-risk flood band where lenders typically require flood insurance. See the flood section on this page for the full details and sources, and verify with an elevation certificate.
Is there a gym near 9544 20th Bay &Amp; 9546 20th Bay St?+
Yes — Fit Body Boot Camp is about 0.1 miles away, per the cached nearby-places record for this address.
Are there parks near 9544 20th Bay &Amp; 9546 20th Bay St?+
Community Garden is about 0.2 miles away.
Where is the nearest grocery store to 9544 20th Bay &Amp; 9546 20th Bay St?+
Riffle Farms Market & Co-op is about 0.2 miles away. The closest dining on record is Sandfiddler Cafe (0.1 mi).
Does 9544 20th Bay &Amp; 9546 20th Bay St have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 9544 20th Bay &Amp; 9546 20th Bay St built?+
It was built in 1961, 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 Aric Martinez · Thrive Realty · REIN MLS #10627855

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.

This home has sold

Curious what it means for your own plans? Ask about similar homes nearby, or what your home might sell for in this market.

9544 20th Bay &Amp; 9546 20th Bay St, Norfolk — photo

This one's sold — the next one doesn't have to be.

9544 20th Bay &Amp; 9546 20th Bay St, Norfolk, Virginia 23518 · MLS #10627855 · 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.