Norfolk › THE TERN › 9564 21st Bay St✓ Source: REIN MLS #10654236 · record updated Oct 8, 2026 · synced every 2 min · your inquiry is never resold

9564 21st Bay ST, NORFOLK VA 23518 - Main photo

9564 21st Bay ST, NORFOLK VA 23518 - Photo 2

9564 21st Bay ST, NORFOLK VA 23518 - Photo 3

9564 21st Bay ST, NORFOLK VA 23518 - Photo 4

9564 21st Bay ST, NORFOLK VA 23518 - Photo 5

$575,000

$285 / sqft · est. $3,822/mo →

3beds

2.1baths

2,021sqft

13days on market

9564 21st Bay St, Norfolk, VA 23518

ActiveResidential · built 2022 · THE TERN

Facts & features

Type

Residential

Year built

2022

Price / sqft

$285

HOA fee

$85/mo

Taxes

$7,025/yr

County

Norfolk VA

MLS #

10654236

HOA association includes

Ground Maint

$85/mo HOA fee · None · per the REIN MLS listing record — confirm inclusions with the association.

Interior

Bedrooms: 3
Full baths: 2
Half baths: 1
Approx. sqft: 2,021
Stories: 3
Flooring: Laminate/LVP
Ensuite bedrooms: 1
Total rooms: 7
Other rooms: Attic, Foyer, PBR with Bath, Pantry, Porch, Utility Closet
Appliances: Dishwasher, Disposal, Dryer, Microwave, Elec Range, Refrigerator, Washer
Equipment: Cable Hookup, Ceiling Fan, Gar Door Opener, Generator Hookup, Security Sys

Construction & exterior

Style: Townhouse
Subtype: Attached
Foundation: Slab
Roof: Asphalt Shingle
Exterior: Fiber Cement
Pool: No Pool

Utilities & systems

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

Lot, parking & ownership

Subdivision: THE TERN
Ownership: Fee Simple
Garage: Yes
Parking: Garage Att 3+ Car, 2 Space, Off Street, Driveway Spc
Possession: CLOSING
Disclosures: Common Interest Community, Disclosure Statement, Resale Certif Req

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

About this home

Coastal living at its finest! Just blocks from the beach, this beautiful end-unit offers the perfect blend of luxury, comfort, and convenience. Enjoy easy access to local restaurants, coffee shops, breweries, and entertainment in this vibrant beachside community. Designed with an open floor plan, the home features durable hardie plank siding, a private balcony with composite decking, and an expansive 792 Sq Ft 3+ vehicles garage complete with a 220V outlet for EV charging. The thoughtfully designed kitchen showcases quartz countertops, stainless steel appliances and under-cabinet lighting. LVP flooring flows throughout, complemented by additional recessed lighting, bookshelves, and an electric fireplace. The spacious primary suite features two walk-in closets, a luxurious bath and rain head shower with a separate control valve. With the Chesapeake Bay Beach just blocks away, this home delivers the coastal lifestyle you've been looking for!

Listing courtesy of Joseph Camarda · AtCoastal Realty · REIN MLS #10654236

Tom & Dariya's overview

Our read on this home

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

At a glance

Brand-new three-bedroom, two-bath home in Norfolk built in 2022. Just four minutes from JEB Little Creek-Fort Story and twelve minutes from Naval Station Norfolk. Modern layout with 2,021 square feet of living space.

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 2022-built home offers contemporary finishes and an efficient floor plan across 2,021 square feet. Three bedrooms and 2.1 baths provide comfortable separation and flexibility. The newer construction means fewer surprises and modern systems throughout. Location puts you minutes from two major military installations. Daily life here balances quick base access with walkable neighborhood amenities.

THE TERN and the Norfolk real estate market

You're in a vibrant corner of Norfolk with everything close by. The streets around 21st Bay are lined with active businesses, parks, and dining options. East Beach Training Studio, Fit Body Boot Camp, and Project SixKiller Performance are all within walking distance. Riffle Farms Market & Co-op sits just a tenth of a mile away for quick grocery runs. Anyone comparing Norfolk homes for sale will notice this location's convenience factor. The neighborhood has genuine walkability—coffee at COVA Brewing or 7-Eleven, lunch at Magnolia and Marlin or Lola's Beach Cantina, and parks like East Beach Fountain Square within steps. Norfolk itself is a working waterfront city with strong military ties and growing civilian neighborhoods. Getting around is straightforward: base commutes are short, and local roads connect easily to downtown and the broader region.

What's nearby

Riffle Farms Market & Co-op is a tenth of a mile away for everyday shopping. Magnolia and Marlin and Lola's Beach Cantina are both within a short walk for meals. Coffee options include 7-Eleven and COVA Brewing Company, each minutes on foot. Three gyms—East Beach Training Studio, Fit Body Boot Camp, and Project SixKiller Performance—serve different fitness styles. Parks cluster nearby: East Beach Fountain Square and Park is steps away, Pleasant Avenue Park is a third of a mile, and Garden Pergola Park is under half a mile. Grocery backup options include Dollar General and Food Lion within a mile.

For different buyers

Base commute and VA loan notes

JEB Little Creek-Fort Story is four minutes away; Naval Station Norfolk is twelve minutes. The 2022 construction and move-in-ready condition minimize settling-in delays. VA loan financing is common in this area and works well for newer homes. Three bedrooms and two baths suit a range of household sizes and layouts.

Room to grow

Three bedrooms give each household member dedicated space or flex room for a home office. The 2,021-square-foot layout separates living areas from sleeping quarters. Two full baths plus a half bath reduce morning bottlenecks. 2022 construction means modern systems, efficient appliances, and minimal immediate repairs—freeing up time and budget for what matters to you.

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

Norfolk$485K – $665K3+ 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

7.3 ft above sea level

0.3 ft above 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

Norfolk homes for sale →

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

$3,737/mo

Down payment20% · $115,000

Interest rate6.75%

Loan term30 years

Principal & interest

$2,984

Property tax

$585

Home insurance

$168

PMI

None

HOA/Condo (paid separately)

$85

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

$367,000 – $435,000

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.

6900 Old Mill Rd RD · 2.4 mi · 2,118 sqft$399,000 sold 2026-08

7017 Doummar DR · 2.3 mi · 1,858 sqft$370,000 sold 2026-08

6846 Woodridge DR · 2.4 mi · 2,146 sqft$435,000 sold 2026-02

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

Sale & Tax History

List Price

$575,000

Price / Sq Ft

$285

Annual Taxes

$7,025

Monthly Tax

$585

HOA fee

$85 / mo

Tax Rate (effective)

1.22%

Sale Timeline (this listing)

Event	Date	Price	Detail
Listed	Sep 25, 2026	$575,000	—
Price reduced	Oct 5, 2026	$575,000	−$5,000
Currently listed	—	$575,000	—

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

13 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 9564 21st Bay St 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 9564 21st 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.

Does 9564 21st Bay St 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 None. Association amenities on record include: Ground Maint.

When was 9564 21st Bay St built?+

It was built in 2022, 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 Joseph Camarda · AtCoastal Realty · REIN MLS #10654236

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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Call or text (757) 777-7577

9564 21st Bay St, Norfolk, Virginia 23518 · MLS #10654236 · 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.

✆

9564 21st Bay St, Norfolk, VA 23518

Facts & features

About this home

Our read on this home

Why this home stands out

THE TERN 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

13 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)