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Norfolk › THE TERN › 9564 21st Bay St✓ Source: REIN MLS #10654236 · record updated Sep 21, 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
0days on market

9564 21st Bay St, Norfolk, VA 23518

Coming SoonResidential · built 2022 · THE TERN

Facts & features

Type

Residential

Year built

2022

Price / sqft

$287

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, & an expansive 792 SF finished 3+ vehicles garage complete with a 220V outlet for EV charging. The thoughtfully designed kitchen showcases quartz countertops, stainless steel appliances & under-cabinet lighting. LVP flooring flows throughout, complemented by additional recessed lighting, bookshelves, & an electric fireplace. The spacious primary suite features a beautifully finished bath, a rain head shower with a separate control valve & upscale finishes. With the Chesapeake Bay Beach just a few blocks away, this exceptional 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

Built in 2022, this 3-bed, 2.1-bath home at 9564 21st Bay Street puts you four minutes from JEB Little Creek-Fort Story in one of Norfolk's most walkable waterfront-adjacent pockets — fresh construction with everyday errands, parks, and restaurants literally steps from your front door.

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

What sets 9564 21st Bay Street apart is the rare combination of new construction quality and an East Beach address that older homes in the area simply can't replicate. At 2,021 square feet across three bedrooms and two and a half baths, the home was finished in 2022 — meaning modern mechanicals, energy standards, and finishes without the renovation guesswork that comes with older Norfolk stock. Add a four-minute drive to JEB Little Creek-Fort Story and you have a home that checks a lot of boxes at once.

THE TERN and the Norfolk real estate market

East Beach is one of Norfolk's most distinctive addresses — a planned waterfront community built around a pedestrian-friendly village center, wide sidewalks, and a genuine sense of place that most Norfolk neighborhoods take decades to develop. The architecture leans coastal-traditional, the streets feel calm, and the Chesapeake Bay is close enough that you can smell the salt air on a good day. Fountain Square anchors the social life of the block, with parks, a market, and local restaurants all within a short walk of 9564 21st Bay Street. Norfolk itself is a city of real depth — a working waterfront, a thriving arts scene, and military infrastructure that makes the economy resilient. Families comparing Norfolk homes for sale often land in East Beach precisely because it delivers walkability and neighborhood character that newer suburban developments rarely match. The 23518 zip code sits in the northeastern corner of the city, giving you easy access to both the Shore Drive corridor and the oceanfront.

What's nearby

Daily life runs smoothly from this address. Riffle Farms Market & Co-op is 0.1 miles away for fresh and local groceries, with Food Lion and Dollar General both under a mile for the bigger runs. Magnolia and Marlin and Lola's Beach Cantina are within two blocks when you want a proper sit-down meal, and COVA Brewing Company is just 0.2 miles out for a craft pint or a casual meetup. East Beach Training Studio and Fit Body Boot Camp are both within 0.2 miles if staying active is part of your routine. East Beach Fountain Square and Park is right around the corner, Pleasant Avenue Park is 0.3 miles away, and Garden Pergola Park adds another green option at 0.4 miles — all reachable on foot.

For different buyers

For military families relocating

Four minutes to JEB Little Creek-Fort Story and twelve minutes to Naval Station Norfolk — 9564 21st Bay Street is about as well-positioned as a Norfolk address gets for dual-base households. A VA loan pairs naturally with a 2022-built home, since lenders and appraisers tend to move smoothly on newer construction. The walkable East Beach village center means a car-optional daily routine even on busy duty days.

For first-time buyers

If you're weighing homes for sale in 23518 and want to skip the repair surprises that come with older stock, a 2022-built home is a meaningful advantage. Everything from the roof to the HVAC is under ten years old, and the East Beach location means you're buying into a neighborhood with real long-term appeal — walkable, water-adjacent, and close to two major military installations that anchor the local economy.

More buyer questions

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

The drive is approximately four minutes under normal traffic conditions, making this one of the closest off-base addresses you'll find in Norfolk. The Naval Station Norfolk gate is about twelve minutes away, which works well for dual-base households.

What school zone does 9564 21st Bay Street fall in?

Buyers comparing homes for sale zoned for Lake Taylor High School and homes for sale zoned for Little Creek Elementary School will want to confirm current zoning directly with Norfolk Public Schools, as boundaries can be redrawn — but this address has historically fallen within those attendance zones.

Is 9564 21st Bay Street in a flood zone?

East Beach sits in a coastal area of Norfolk, so flood zone designation is an important detail for this address. Check the FloodRisk tile on this page for the current FEMA map panel information specific to 9564 21st Bay Street.

How walkable is the East Beach neighborhood?

Very walkable by Norfolk standards — a grocery co-op, two gyms, multiple restaurants, a craft brewery, and three parks are all within 0.4 miles of the front door. The East Beach village center was designed around pedestrian access, and it shows.

Does 9564 21st Bay Street have an HOA?

East Beach is a planned community with an active homeowners association. Confirm current HOA structure and any applicable rules with the listing agent or the East Beach HOA directly before making decisions based on community amenities or restrictions.

Ready to walk 9564 21st Bay Street in person? Tom and Dariya Milan know this corner of homes for sale in Norfolk well — reach out and let's set up a time.

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

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

Norfolk$490K – $670K3+ beds

By subscribing you agree to receive listing emails from Tom & Dariya Milan, Realtors, at most one a day. Unsubscribe anytime · Privacy PolicyBrokered by LPT Realty

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

Looking up FEMA flood zone…

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

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.

$400K

Median sale · 12 mo

$256

Sold $/sq ft

31d

Days on market

69

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

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

$3,764/mo

Principal & interest

$3,009

Property tax

$585

Home insurance

$169

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

$276,200 – $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
7029 Old Mill RD · 2.5 mi · 1,910 sqft$276,200 sold 2026-05

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

Sale & Tax History

List Price

$580,000

Price / Sq Ft

$287

Annual Taxes

$7,025

Monthly Tax

$585

HOA fee

$85 / mo

Tax Rate (effective)

1.21%

Sale Timeline (this listing)

EventDatePriceDetail
ListedSep 21, 2026$580,000—
Currently listed—$580,000—

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.

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 2/10), Azalea Gardens Middle, Lake Taylor (VaHome School Score 1.9/10). 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 · 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

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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