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Norfolk › THE TERN › 9601 22nd Bay St✓ Source: REIN MLS #10645927 · record updated Aug 24, 2026 · synced every 2 min · your inquiry is never resold
9601 22nd Bay ST, NORFOLK VA 23518 - Main photo
9601 22nd Bay ST, NORFOLK VA 23518 - Photo 2
9601 22nd Bay ST, NORFOLK VA 23518 - Photo 3
9601 22nd Bay ST, NORFOLK VA 23518 - Photo 4
9601 22nd Bay ST, NORFOLK VA 23518 - Photo 5
3beds
3.1baths
2,664sqft
31days on market

9601 22nd Bay St, Norfolk, VA 23518

ActiveResidential · built 2020 · THE TERN

Facts & features

Type

Residential

Year built

2020

Price / sqft

$263

HOA fee

$90/mo

Taxes

$7,000/yr

County

Norfolk VA

MLS #

10645927

HOA association includes

ElevatorGround MaintOther

$90/mo HOA fee · NA · per the REIN MLS listing record — confirm inclusions with the association.

Interior

Bedrooms
3
Full baths
3
Half baths
1
Approx. sqft
2,664
Stories
4
Flooring
Carpet, Ceramic, Laminate/LVP
Ensuite bedrooms
3
Total rooms
7
Other rooms
Attic, Balcony, Breakfast Area, Foyer, PBR with Bath, Pantry, Porch, Utility Closet, Utility Room
Appliances
Dishwasher, Disposal, Dryer, Microwave, Gas Range, Refrigerator, Washer
Equipment
Cable Hookup, Ceiling Fan, Gar Door Opener, Generator Hookup
Accessibility
Elevator

Construction & exterior

Style
Townhouse, Traditional, Transitional
Subtype
Attached
Foundation
Slab
Roof
Asphalt Shingle
Exterior
Fiber Cement
Pool
No Pool

Utilities & systems

Heating
Nat Gas, Zoned
Cooling
Central Air, Zoned
Water heater
Gas
Water
City/County
Sewer
City/County

Lot, parking & ownership

Subdivision
THE TERN
Ownership
Fee Simple
Garage
Yes
Parking
Garage Att 2 Car, Off Street, Driveway Spc, Street
Possession
SETTLE
Disclosures
Disclosure Statement, Related to Seller

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

About this home

Beautiful Lighthouse End Unit @ THE TERN with your own *Private Elevator, water views, balconies off the front, and this unit was once used as the MODEL for THE TERN. Sit back, relax, and enjoy the beach, the community, and everything that this LIGHTHOUSE and Community have to offer. This MOVE IN READY townhome was used as the MODEL and offers many upgrades throughout to include custom kitchen, private elevator, 2 balconies, fireplace in the living room and primary bedroom, and an attached rear load garage. There was no expense spared when this home was built. The home offers an Open Floor plan, 3 full bathrooms, and the primary bathroom offers a stand alone vessel tub, rain shower head, and double sinks. IOwner is willing to offer owner financing & rent to own financing(terms & options case by case). Short distance to direct beach access, shopping center, and newer community. *No flood insurance required !

Listing courtesy of Seth Johnson · AtCoastal Realty · REIN MLS #10645927

Tom & Dariya's overview

Our read on this home

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

At a glance

9601 22nd Bay Street is a 2020-built, three-bedroom, three-and-a-half-bath townhome-style residence in THE TERN, one of Norfolk's newest planned communities — four minutes from JEB Little Creek-Fort Story and steps from the waterfront energy of East Ocean View.

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

Built in 2020, this 2,664-square-foot home brings modern construction to a neighborhood that blends coastal character with genuine walkability. Three full baths plus a powder room, an open floor plan, and a location that puts a farmers market, a craft brewery, and a park fountain square all within a two-minute walk — that combination is genuinely rare among Norfolk homes for sale at this size and vintage.

THE TERN and the Norfolk real estate market

THE TERN is a thoughtfully designed newer community tucked into the East Ocean View corridor of Norfolk, Virginia — a stretch of coastline that has been quietly transforming for the better over the past decade. The neighborhood sits at the intersection of beach-town ease and urban convenience, with wide sidewalks, consistent architecture, and a real sense of place that newer developments don't always manage to create. East Ocean View gives you Chesapeake Bay views, a walkable village feel, and a surprisingly tight-knit community of neighbors who actually know each other. Norfolk itself is a city of distinct, character-filled neighborhoods, and East Ocean View holds its own among the best of them. Families comparing homes for sale in Norfolk often land here once they discover how much daily life you can accomplish on foot — and how quickly the rest of the city opens up from the interstate just minutes away.

What's nearby

Daily life is genuinely easy at 9601 22nd Bay Street. Riffle Farms Market & Co-op is 0.1 miles away — a local grocery and co-op that makes picking up fresh produce feel like a neighborhood ritual. Magnolia and Marlin and Lola's Beach Cantina are both within two blocks for dinner, and COVA Brewing Company is a short walk when you want something cold and local. East Beach Fountain Square and Park sits right at 0.1 miles, Pleasant Avenue Park is 0.3 miles out, and Garden Pergola Park rounds out the green space within half a mile. For fitness, East Beach Training Studio and Fit Body Boot Camp are both under a quarter mile. Food Lion and Dollar General cover broader grocery runs within a mile.

For different buyers

For military families relocating

JEB Little Creek-Fort Story is four minutes away — as close as it gets without living on base. Naval Station Norfolk is a 13-minute drive, making this address workable for dual-military households or anyone whose orders could shift between installations. The 2020 construction means fewer maintenance surprises, and a VA loan pairs cleanly with a home this age. Families weighing homes for sale zoned for Little Creek Elementary School and homes for sale zoned for Lake Taylor High School will find this location checks both boxes.

For first-time buyers

If you're stepping into homeownership for the first time, a 2020-built home in a planned community takes a lot of variables off the table — newer systems, consistent construction standards, and a neighborhood that already has its identity figured out. Walkable errands, a park around the corner, and a short drive to two major bases make 9601 22nd Bay Street one of the more well-rounded options among homes for sale in 23518 for buyers who want livability from day one.

More buyer questions

How far is 9601 22nd Bay Street from JEB Little Creek-Fort Story?

The gate at JEB Little Creek-Fort Story is approximately four minutes by car — one of the shortest base commutes you'll find in the area. For service members stationed there, this address eliminates the daily grind of a long drive entirely.

How far is 9601 22nd Bay Street from Naval Station Norfolk?

Naval Station Norfolk is roughly 13 minutes away under normal traffic conditions. That's a manageable daily commute, and it keeps the address realistic for sailors or civilians working on base.

What is the neighborhood like around 9601 22nd Bay Street?

THE TERN is a newer planned community in Norfolk's East Ocean View corridor, built with consistent architecture, walkable streetscapes, and a genuine village feel. Within a few blocks you'll find a local market, restaurants, a craft brewery, a park, and fitness studios — all on foot.

Is 9601 22nd Bay Street in a flood zone?

East Ocean View is a coastal area of Norfolk, and flood zone status can vary significantly by parcel. Check the FloodRisk tile on this page for the specific FEMA designation tied to this address.

Does THE TERN have an HOA?

Yes, THE TERN is a planned community with a homeowners association. The HOA maintains common areas and enforces community standards that help preserve the neighborhood's cohesive look and feel.

Tom and Dariya Milan at LPT Realty know THE TERN and the East Ocean View market well. Reach out to get the full picture on 9601 22nd Bay Street — no pressure, just answers.

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

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

Norfolk$590K – $805K3+ 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.

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.

$400K

Median sale · 12 mo

$256

Sold $/sq ft

33d

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 houses 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

$4,419/mo

Principal & interest

$3,632

Property tax

$583

Home insurance

$204

PMI

None

HOA/Condo (paid separately)

$90

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

Asking vs. assessment

94% of $744,400

City assessment record · taxes $7,000/yr

Land share of assessed value

17% — $130,000

Improvements $614,400 · assessor record ✓

Price context — similar nearby homes

$400,000 – $570,000

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.

8252 N View BLVD · 0.4 mi · 2,700 sqft$400,000 sold 2026-08
4240 Harbor Walk AVE · 0.4 mi · 2,420 sqft$475,000 sold 2026-08
4246 Heutte DR · 1.1 mi · 2,594 sqft$440,000 sold 2026-04

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

Sale & Tax History

List Price

$699,900

Price / Sq Ft

$263

Annual Taxes

$7,000

Monthly Tax

$583

HOA fee

$90 / mo

Tax Rate (effective)

1.00%

Sale Timeline (this listing)

EventDatePriceDetail
ListedJul 24, 2026$699,900—
Price reducedAug 24, 2026$699,900−$25,100
Currently listed—$699,900—

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

6% below assessment

Total Assessed

$744,400

Land

$130,000

Improvement

$614,400

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

31 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 9601 22nd 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 9601 22nd 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 9601 22nd 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 9601 22nd Bay St?+
East Beach Fountain Square and Park is about 0.1 miles away.
Where is the nearest grocery store to 9601 22nd Bay St?+
Riffle Farms Market & Co-op is about 0.1 miles away. The closest dining on record is 7-Eleven (0 mi).
Does 9601 22nd 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 NA. Association amenities on record include: Elevator, Ground Maint, Other.
When was 9601 22nd Bay St built?+
It was built in 2020, 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 Seth Johnson · AtCoastal Realty · REIN MLS #10645927

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.

9601 22nd Bay St, Norfolk — photo

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

Call or text (757) 777-7577

9601 22nd Bay St, Norfolk, Virginia 23518 · MLS #10645927 · 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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