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✓ Source: REIN MLS #10654236 · record updated Nov 1, 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
3beds
2.1baths
2,021sqft
36days on market

9564 21st Bay St, Norfolk, VA 23518

ActiveResidential · built 2022 · THE TERN

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, 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. Chesapeake Bay Beach just blocks away, No flood insurance required, low $85 month HOA.

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

Facts & features

Type

Residential

Year built

2022

Price / sqft

$282

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

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. Nearby, look at East 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.

More buyer questions

How far is 9564 21st Bay Street from JEB Little Creek-Fort Story?

About four minutes by car. The base is very close, making daily commutes quick and straightforward.

What grocery stores are nearby?

Riffle Farms Market & Co-op is just a tenth of a mile away. Food Lion and Dollar General are also within a mile.

Are there parks and fitness options in the neighborhood?

Yes. East Beach Fountain Square and Park is steps away, and three gyms—East Beach Training Studio, Fit Body Boot Camp, and Project SixKiller Performance—are all within walking distance.

What is the commute to Naval Station Norfolk?

About twelve minutes by car. It's a reasonable drive from this location.

Does this address fall within homes for sale zoned for Lake Taylor High School and homes for sale zoned for Little Creek Elementary School?

Yes, this address falls within those zones. Contact the local jurisdiction for current enrollment and program details.

Ready to tour 9564 21st Bay Street? Contact Tom & Dariya Milan to schedule a showing and explore what this home offers.

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

How Far Is?

Driving distance by road and typical drive time via Google Maps, to the nearest location of each.

Also nearby

Distances are straight-line (as the crow flies) from this property, not driving miles. Places within ~1 mile, nearest first. Powered by Google Places.

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

Norfolk$480K – $660K3+ beds

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Schools

VaHome School Score

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

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

East Ocean View

East Ocean View is the eastern end of Norfolk's Chesapeake Bay shoreline, in ZIP codes 23518 and 23503. East Ocean View Avenue runs its length.

$445K

Median sale · 12 mo

$267

Sold $/sq ft

28d

Days on market

31

For sale now

$66K

HH income

40.6%

Owner-occupied

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

Explore East Ocean View →
Map of East Ocean View with neighborhood boundaryNeighborhood

Norfolk homes for sale →

Military Commute

Drive times to nearest bases

Little Creek

Navy

11min·3.9mi

NS Norfolk

Navy

18min·7.4mi

MARFORCOM

Marines

20min·7.9mi

NSA HR

Navy

22min·10.9mi

NMCP

Navy

25min·14.6mi

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

Payment Calculator

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

$3,709/mo

Principal & interest

$2,957

Property tax

$585

Home insurance

$166

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

Comparables

Price context — similar nearby homes

$325,000 – $995,000

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.

4007 Pleasant AVE · 0.1 mi · 2,039 sqft$575,000 sold 2026-04
9635 18th Bay ST · 0.3 mi · 2,170 sqft$565,000 sold 2026-06
9553 23rd Bay ST · 0.2 mi · 2,300 sqft$995,000 sold 2026-10

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

Sale & Tax History

List Price

$569,900

Price / Sq Ft

$282

Annual Taxes

$7,025

Monthly Tax

$585

HOA fee

$85 / mo

Tax Rate (effective)

1.23%

Sale Timeline (this listing)

EventDatePriceDetail
ListedSep 26, 2026$569,900—
Price reducedOct 15, 2026$569,900−$5,100
Currently listed—$569,900—

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.

Market tempo

36 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

TD

Tom & Dariya Milan

Brokered by LPT Realty · Hampton Roads

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

Free, no obligation — your inquiry goes to Tom & Dariya, never resold.

9564 21st Bay St, Norfolk — photo

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

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.

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