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✓ Source: REIN MLS #10658869 · record updated Oct 22, 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
0days on market

9601 22nd Bay St, Norfolk, VA 23518

New ListingResidential · built 2020 · THE TERN

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. Owner 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 #10658869

Facts & features

Type

Residential

Year built

2020

Price / sqft

$257

HOA fee

$90/mo

Taxes

$7,000/yr

County

Norfolk VA

MLS #

10658869

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

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

Tom & Dariya's overview

Our read on this home

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

At a glance

Meet 9601 22nd Bay Street in THE TERN, a 2020-built three-bedroom, three-bath home with 2,664 square feet. You're just four minutes from JEB Little Creek-Fort Story and steps from shops, restaurants, and parks. This Norfolk homes for sale property sits in a walkable waterfront neighborhood.

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

Built in 2020, this residence brings modern construction and thoughtful layout to a neighborhood known for its beach proximity and village feel. Three full baths and an open floor plan make daily life efficient. You'll find yourself steps from Riffle Farms Market & Co-op, Magnolia and Marlin, and East Beach Fountain Square and Park. THE TERN feels like a complete neighborhood—not just a collection of houses.

THE TERN and the Norfolk real estate market

THE TERN is Norfolk's waterfront village, where tree-lined streets meet accessible beaches and local shops. The neighborhood draws people who want walkability without sacrificing quiet—you can grab coffee at COVA Brewing Company or pick up groceries at Riffle Farms Market & Co-op without leaving the block. Homes here range from older cottages to newer builds like this one, creating a mix of character and modern comfort. Norfolk itself sits at the heart of Hampton Roads, with Naval Station Norfolk about 13 minutes away and JEB Little Creek-Fort Story just four minutes from your door. Getting around is straightforward: I-64 connects you to Virginia Beach and the wider region. Anyone comparing homes for sale in 23518 will notice THE TERN's strong sense of place—it's one of the city's most established neighborhoods, anchored by its beach access and community gathering spaces.

What's nearby

Your daily errands are a short walk or drive. Riffle Farms Market & Co-op is just 0.1 miles away for groceries and local goods. Magnolia and Marlin and Lola's Beach Cantina sit nearby for dining out. Coffee runs to COVA Brewing Company or 7-Eleven take seconds. Fitness options include East Beach Training Studio and Fit Body Boot Camp, both within walking distance. East Beach Fountain Square and Park is right there for outdoor time, with Pleasant Avenue Park and Garden Pergola Park nearby as well.

For different buyers

Base commute and VA loan notes

Four minutes to JEB Little Creek-Fort Story and 13 minutes to Naval Station Norfolk make this address convenient for base commuters. Built in 2020, the home carries no structural surprises. VA loan financing is common in this neighborhood. Three bedrooms and three baths give you flexibility for your household's needs.

Room to grow

Three bedrooms and three full baths provide room for different household rhythms and guest visits. The 2020 construction means solid systems and a thoughtful layout. A modern home in an established neighborhood gives you both new comfort and neighborhood roots. Walkable access to parks, shops, and restaurants means outdoor time and errands don't require a long drive.

More buyer questions

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

About four minutes by car. It's one of the closest neighborhoods to the base in Norfolk.

What grocery stores are near this address?

Riffle Farms Market & Co-op is 0.1 miles away, with Food Lion and Dollar General within a mile.

Are there parks nearby?

Yes. East Beach Fountain Square and Park is steps away, with Pleasant Avenue Park and Garden Pergola Park close by.

What zones apply to homes for sale zoned for Lake Taylor High School and homes for sale zoned for Little Creek Elementary School?

This address is zoned for both. Check the Schools tile for detailed information.

Is THE TERN a walkable neighborhood?

Yes. Coffee shops, restaurants, groceries, fitness studios, and parks are all within walking distance or a quick drive.

Ready to explore 9601 22nd Bay Street? Reach out to Tom and Dariya Milan at LPT Realty to schedule your tour of this modern THE TERN home.

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$580K – $790K3+ 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 (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

7.8 ft above sea level

0.8 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

29

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

homes for sale in Norfolk →

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

$4,337/mo

Principal & interest

$3,554

Property tax

$583

Home insurance

$200

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

Comparables

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

$685,000

Price / Sq Ft

$257

Annual Taxes

$7,000

Monthly Tax

$583

HOA fee

$90 / mo

Tax Rate (effective)

1.02%

Sale Timeline (this listing)

EventDatePriceDetail
ListedOct 22, 2026$685,000—
Currently listed—$685,000—

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

0 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 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 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

Listing courtesy of Seth Johnson · AtCoastal Realty · REIN MLS #10658869

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 #10658869 · 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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