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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
$699,900
$263 / sqft · est. $4,509/mo →
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

VaHome team overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · LPT Realty

At a glance

Meet 9601 22nd Bay Street — a 2020-built, 3-bed, 3.1-bath townhome-style residence in THE TERN with 2,664 square feet of thoughtfully designed living space, four minutes from JEB Little Creek-Fort Story and steps from East Beach's waterfront lifestyle.

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 delivers modern construction in a neighborhood where newer builds are genuinely rare. Three full baths plus a half bath across three bedrooms means everyone has breathing room. Add a walkable pocket of restaurants, a craft brewery, a local market, and beach access all within a quarter mile, and the everyday quality of life here is hard to match anywhere else in Norfolk.

THE TERN and the Norfolk real estate market

THE TERN sits inside Norfolk's East Ocean View corridor — one of the city's most sought-after coastal pockets, anchored by the broad sandy stretch of East Beach and a walkable village-style commercial strip along Shore Drive. The neighborhood has a relaxed, community-forward character: neighbors wave, dogs are everywhere, and the beach is genuinely part of daily life rather than a weekend destination. When people searching for houses for sale in Norfolk discover this area, they're often surprised by how much lifestyle it delivers in a compact footprint. Norfolk itself is a dynamic mid-size city with a deep military heritage, a growing arts and food scene, and easy access to the rest of Hampton Roads via Interstate 64. The East Ocean View section specifically has seen meaningful reinvestment over the past decade, and THE TERN represents some of the newest residential construction in the area — a modern build in a neighborhood with real roots.

What's nearby

Daily errands are genuinely easy here. Riffle Farms Market & Co-op is 0.1 miles away for local and specialty groceries, with a Food Lion 0.9 miles out for a full shop. When you want a cold craft beer after a long day, COVA Brewing Company is just down the block. Mahalo Poke House is equally close for a quick, fresh meal. East Beach Fountain Square and Park is a 0.1-mile stroll, and 17th Bay Beach Access is 0.4 miles away for direct sand-and-water time. Fit Body Boot Camp and two additional fitness studios are all within half a mile, so skipping leg day has no good excuse here.

For different buyers

For military families relocating

JEB Little Creek-Fort Story is four minutes from your front door — about as close as it gets without living on base. Naval Station Norfolk is a manageable 13-minute drive. Whether you're using a VA loan or working with BAH, a 2020-built home with 2,664 square feet and three full baths gives a military family real space without a long commute eating into your time.

For buyers drawn to character

If you want to buy a house in Norfolk that puts you inside a real neighborhood rather than a generic subdivision, THE TERN delivers. You're walking distance from a local co-op market, a craft brewery, beach park access, and a tight-knit community that actually uses all of it. The 2020 construction means you get modern systems and finishes without sacrificing the coastal character that makes this corner of Norfolk genuinely special.

More buyer questions

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

The drive is approximately four minutes, making this one of the closest off-base addresses to JEB Little Creek-Fort Story in the entire Norfolk market.

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

Naval Station Norfolk is roughly 13 minutes by car, a straightforward commute along Shore Drive and into the base corridor.

What is THE TERN neighborhood like in Norfolk?

THE TERN is a newer residential community within Norfolk's East Ocean View area, characterized by modern construction, walkable beach access, and a close-knit coastal atmosphere with local shops and restaurants just steps away.

Is 9601 22nd Bay Street in a flood zone?

Flood zone information for this address is available in the FloodRisk tile on this page, which pulls current FEMA map data for the specific parcel.

Does 9601 22nd Bay Street have an HOA?

THE TERN does have a homeowners association; details on what the HOA covers and governs are best confirmed through current disclosure documents during the purchase process.

Tom and Dariya Milan at LPT Realty know THE TERN and the East Ocean View market well — reach out to get your questions answered and schedule a walkthrough.

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

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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

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.

$411K

Median sale · 12 mo

$256

Sold $/sq ft

26d

Days on market

71

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 – $580,000

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.

8333 N View BLVD · 0.4 mi · 2,700 sqft$455,000 sold 2026-05
8312 Harbor View Ln · 0.4 mi · 2,700 sqft$580,000 sold 2026-06
8252 N View BLVD · 0.4 mi · 2,700 sqft$400,000 sold 2026-08

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

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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