Norfolk › OCEAN VIEW EAST › 9545 20th Bay St #A✓ Source: REIN MLS #10651259 · record updated Sep 5, 2026 · synced every 2 min · your inquiry is never resold

9545 20th Bay ST #A, NORFOLK VA 23518 - Main photo

9545 20th Bay ST #A, NORFOLK VA 23518 - Photo 2

9545 20th Bay ST #A, NORFOLK VA 23518 - Photo 3

9545 20th Bay ST #A, NORFOLK VA 23518 - Photo 4

9545 20th Bay ST #A, NORFOLK VA 23518 - Photo 5

$595,000

$204 / sqft · est. $3,801/mo →

4beds

2.1baths

2,918sqft

8days on market

9545 20th Bay St #A, Norfolk, VA 23518

ActiveResidential · built 2006 · OCEAN VIEW EAST

Facts & features

Type

Residential

Year built

2006

Price / sqft

$204

HOA

None

Taxes

$6,487/yr

County

Norfolk VA

MLS #

10651259

Interior

Bedrooms: 4
Full baths: 2
Half baths: 1
Approx. sqft: 2,918
Stories: 3
Flooring: Bamboo, Carpet, Ceramic
Ensuite bedrooms: 1
First-floor bed & full bath: Yes
Total rooms: 11
Other rooms: 1st Floor BR, Balcony, PBR with Bath, Pantry, Porch, Utility Room
Appliances: Dishwasher, Disposal, Dryer Hookup, Microwave, Elec Range, Washer Hookup
Equipment: Ceiling Fan, Gar Door Opener, Jetted Tub

Construction & exterior

Style: 2 Unit Condo, Tri-Level, Twinhome
Subtype: Attached
Foundation: Crawl
Roof: Asphalt Shingle
Exterior: Vinyl
Pool: No Pool

Utilities & systems

Heating: Heat Pump, Zoned
Cooling: Central Air, Heat Pump, Zoned
Water heater: Electric
Water: City/County
Sewer: City/County

Lot, parking & ownership

Subdivision: OCEAN VIEW EAST
Unit / floor: 1
Zoning: R-11
Ownership: Condo
Garage: Yes
Parking: Garage Att 2 Car, 1 Space, Off Street
Possession: SETTLEMENT
Disclosures: Disclosure Statement

See more Norfolk condos & townhomes.

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

About this home

Spacious no-fee condo located just two blocks from the Beach, offering nearly 3,000 sq ft of bright, modern living. This open-concept home features abundant natural light, multiple balconies, a double-sided fireplace, and a versatile sunroom that can serve as a 4th bedroom or office. Closets were installed for a future elevator. The primary suite includes an enormous walk-in closet and a well-designed en-suite bath with large, jetted tub. Recent updates include new bamboo flooring on the 2nd floor, and new composite decking on the 3rd-floor balcony, newer garage door and opener. Prime location near the community center, fishing pier, and kayak launch. Convenient to military bases, restaurants, and all East Beach amenities. Tenant in place until 9/30/26. Enjoy low-maintenance coastal living with no condo fee.

Listing courtesy of Dawn Lee · Seaside Realty · REIN MLS #10651259

Tom & Dariya's overview

Our read on this home

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

At a glance

Four-bedroom, two-bath townhome in Norfolk's vibrant waterfront neighborhood. Built in 2006 with 2,918 square feet of living space. Steps from the beach, restaurants, and gyms. Just minutes from JEB Little Creek-Fort Story.

Keep searching in Norfolk

See all Norfolk homes for sale, including homes for sale in 23518, homes for sale zoned for Lake Taylor High School, and homes for sale zoned for Little Creek Elementary School. Browse every listing among homes for sale in Norfolk — updated from the REIN MLS every few minutes. Nearby, look at Ocean View homes for sale, Norfolk waterfront homes for sale, Norfolk condos and townhomes for sale, and new construction homes in Norfolk.

Read the full overview ↓

Why this home stands out

This townhome sits on a block where daily life centers on the water. You're walking distance to East Beach Bar & Grill, Mami's Empanadas, and Project SixKiller Performance gym. The 17th Bay Beach Access is two blocks away. Four bedrooms and two full baths give you room to spread out. Built-in convenience meets waterfront living—a rare combination in homes for sale in Norfolk.

OCEAN VIEW EAST and the Norfolk real estate market

East Beach is Norfolk's most walkable, waterfront-oriented neighborhood. Tree-lined streets connect you to restaurants, coffee shops, and fitness studios within a few blocks. The community garden and beach access parks anchor the block. You'll find Riffle Farms Market & Co-op and COVA Brewing Company nearby for groceries and coffee. Norfolk itself is a major port city with a rich maritime heritage. Naval Station Norfolk and JEB Little Creek-Fort Story shape the region's economy and culture. Getting around is straightforward: local streets flow toward the water, and major routes like Colley Avenue connect you to the broader city. Anyone comparing homes for sale in 23518 will notice this neighborhood's walkable, water-first character.

What's nearby

East Beach Bar & Grill and Mami's Empanadas are steps away. Chanello's Pizza is a short walk for a quick dinner. Riffle Farms Market & Co-op handles groceries in half a mile. COVA Brewing Company and 7-Eleven offer coffee and convenience. Fitness options include Project SixKiller Performance (one block), Fit Body Boot Camp, and Xtras Fitness + Wellness. The 17th Bay Beach Access and East Beach Fountain Square and Park are within two blocks for outdoor time.

For different buyers

Base commute and VA loan notes

About four minutes to JEB Little Creek-Fort Story and twelve minutes to Naval Station Norfolk. VA loan financing is widely available in this zip code and neighborhood. The townhome's four bedrooms and established layout support a quick move-in timeline. Waterfront location and short base commutes make this a practical choice.

Room to grow

Four bedrooms and 2.1 baths give you space for everyone. The 2,918 square feet of living area includes room to grow. Beach access and nearby parks mean outdoor play is steps away. A full kitchen and established neighborhood support daily routines.

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

Norfolk$505K – $685K4+ beds

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Schools

VaHome School Score

Our own 1–10 rating, scored from Virginia Department of Education data.

ElementaryLittle Creek Elementary School
1.7/10
MiddleAzalea Middle School
2.5/10
HighLake Taylor High School
1.8/10

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

Flood Risk (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 510104

High Risk

FEMA flood zone

AE (1% annual chance)

Base flood elevation

7 ft above sea level

Property elevation

5.3 ft above sea level

1.7 ft below BFE

USGS 3DEP digital elevation model

Special Flood Hazard Area — 1% annual chance of flooding. Federal flood insurance is required on most mortgages.

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.

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 neighborhood on the water in Norfolk, Virginia. It is known for its access to the Chesapeake Bay and its maritime feel. Homes range from modest single-family houses to cottages on the water.

$376K

Median sale · 12 mo

$256

Sold $/sq ft

29d

Days on market

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 →

Neighborhood

houses for sale in Norfolk →

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

$3,801/mo

Down payment20% · $119,000

Interest rate6.75%

Loan term30 years

Principal & interest

$3,087

Property tax

$541

Home insurance

$174

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

$400,000 – $1,116,000

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.

8333 N View BLVD · 0.3 mi · 2,700 sqft$455,000 sold 2026-05

8312 Harbor View Ln · 0.3 mi · 2,700 sqft$580,000 sold 2026-06

8252 N View BLVD · 0.3 mi · 2,700 sqft$400,000 sold 2026-08

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

Sale & Tax History

List Price

$595,000

Price / Sq Ft

$204

Annual Taxes

$6,487

Monthly Tax

$541

HOA

None

Tax Rate (effective)

1.09%

Sale Timeline (this listing)

Event	Date	Price	Detail
Listed	Aug 29, 2026	$595,000	—
Currently listed	—	$595,000	—

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:

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.

Market tempo

8 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 9545 20th Bay St #A in a good school zone?+

The assigned zones on the listing record are Little Creek Elementary (VaHome School Score 1.7/10), Azalea Gardens Middle, Lake Taylor (VaHome School Score 1.8/10). School attendance zones can change — always confirm enrollment with the local school division.

Is 9545 20th Bay St #A 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.

Does 9545 20th Bay St #A have an HOA?+

No — there are no HOA, condo, or association dues on the listing record for this property.

When was 9545 20th Bay St #A built?+

It was built in 2006, 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

Brokered by LPT Realty · Hampton Roads · answer their own phone

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

Listing courtesy of Dawn Lee · Seaside Realty · REIN MLS #10651259

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

9545 20th Bay St #A, Norfolk, Virginia 23518 · MLS #10651259 · 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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9545 20th Bay St #A, Norfolk, VA 23518

Facts & features

About this home

Our read on this home

Why this home stands out

OCEAN VIEW EAST and the Norfolk real estate market

What's nearby

For different buyers

Base commute and VA loan notes

Room to grow

More buyer questions

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

Schools

Flood & environment

🌊 Flood Risk (FEMA)

Hurricane Evacuation Zone

Ocean View

Minutes to real places, not a score

Location & Neighborhood

Military Commute

Run the real carrying cost

Estimate your monthly payment

Judge value on real ground

Sale & Tax History

Sale Timeline (this listing)

Comparable Properties

8 days on market — read it in context

Questions buyers ask

You'll talk to a person, not a lead queue

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

Flood Risk (FEMA)