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NorfolkTHE TERN9628 21st Bay St✓ Source: REIN MLS #10634461 · record updated May 15, 2026 · synced every 2 min · your inquiry is never resold
9628 21st Bay ST, NORFOLK VA 23518 - Main photo
$3,000
$2 / sqft · est. $16/mo →
2beds
2.1baths
1,566sqft
3days on market

9628 21st Bay St, Norfolk, VA 23518

RentedRental · built 2020 · THE TERN

About this home

The listing, in the seller's words

Beautiful MOVE IN READY townhome unit in the heart of Ocean View and less than a block to the beach. One owner and built within the last few years. Updates throughout, open floor plan, 2nd story balcony w. water views, attached garage, open floor plan and much more. Unit also includes Washer/Dryer & Fridge. Central to shopping, restaurants, beach, Bases, interstate, and breweries. Don't miss out on this great opportunity!

Listing courtesy of Seth Johnson · AtCoastal Realty · REIN MLS #10634461

VaHome team overview

Our read on this home

At a glance

9628 21st Bay Street is a 2020-built townhome in THE TERN community — two bedrooms, two full baths, a half bath, and 1,566 square feet of thoughtfully laid-out living space, all four minutes from JEB Little Creek-Fort Story in Norfolk, Virginia 23518.

Read the full overview ↓

Why this home stands out

Built in 2020, this townhome brings newer construction quality to one of Norfolk's most walkable coastal pockets. You're steps from Sour Street Pizza, Lola's Beach Cantina, and 17th Bay Beach Access, yet the home itself sits in a tidy, low-maintenance community with just under 1,300 square feet of lot to manage. Two full baths plus a half bath across 1,566 square feet makes the layout work hard for two bedrooms — and the JEB Little Creek-Fort Story gate is a four-minute drive.

THE TERN and the Norfolk real estate market

THE TERN is a compact, newer townhome community tucked into Norfolk's East Ocean View corridor — the stretch of the city where Bay-front living meets a genuinely walkable village feel. Streets here are quiet and residential, but you're never far from the water or a good meal. The community was developed in the late 2010s and early 2020s, so the architecture is clean and contemporary against a backdrop of mature coastal landscaping. Among the homes for sale norfolk va searchers discover in this zip code, THE TERN stands out for its proximity to the beach, the brewery, and both major military installations. Norfolk itself is a city of distinct neighborhoods, and East Ocean View has carved out a reputation as the one where you actually walk to dinner, catch a sunset at the park, and still make it to base on time. The 23518 zip code blends long-time residents with newer arrivals, and the energy along Shore Drive reflects that mix — local businesses, community events, and a genuine sense of place.

What's nearby

Daily errands and leisure are genuinely close here. Riffle Farms Market & Co-op is 0.2 miles away for local and specialty groceries, with Food Lion and Dollar General both under a mile for everyday staples. Sour Street Pizza and Lola's Beach Cantina are essentially at your doorstep for dining. COVA Brewing Company is 0.2 miles away when you want something on tap. Fitness options are plentiful — Fit Body Boot Camp is 0.1 miles, Project SixKiller Performance is 0.3 miles, and Xtras Fitness + Wellness is half a mile out. East Beach Fountain Square and Park and a Community Garden are both 0.2 miles away, and 17th Bay Beach Access is just 0.3 miles for a quick walk to the water.

For different buyers

For military families relocating

Four minutes to JEB Little Creek-Fort Story and twelve minutes to Naval Station Norfolk — 9628 21st Bay Street sits in one of the most base-convenient locations in the city. A VA loan can make a newer-construction townhome like this one very accessible, and BAH rates for the Norfolk area align well with this price tier. Whether you're E-5 or O-3, the commute math works.

For first-time buyers

If you're exploring houses for sale norfolk va for the first time, THE TERN is a strong place to land. A 2020 build means fewer surprise repairs, the HOA handles exterior upkeep, and the walkable East Ocean View location means you're buying into a neighborhood with real daily-life convenience — coffee, groceries, the beach, and dinner all within a half mile.

More buyer questions

How far is 9628 21st Bay Street from JEB Little Creek-Fort Story?

The main gate at JEB Little Creek-Fort Story is approximately four minutes by car — one of the shortest base commutes available anywhere in the Norfolk market.

How far is 9628 21st Bay Street from Naval Station Norfolk?

Naval Station Norfolk is roughly twelve minutes south by car, making this address a practical choice for sailors and civilians working at either installation.

Is 9628 21st Bay Street part of an HOA?

Yes, THE TERN is an HOA community; the association manages common areas and exterior maintenance, which is a meaningful benefit in a coastal environment.

What is the flood zone status for 9628 21st Bay Street?

Flood zone information for this address is displayed in the FloodRisk tile on this page — review that section and consult your insurance agent for current FEMA map data.

Where is the nearest beach access to 9628 21st Bay Street?

17th Bay Beach Access is 0.3 miles from the front door, and East Beach Fountain Square and Park is just 0.2 miles away for a quick walk to the waterfront.

Want to walk through 9628 21st Bay Street or get current market context for THE TERN? Tom and Dariya Milan at LPT Realty know this neighborhood well — reach out and let's talk.

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

Schools

Info provided by GreatSchools

Facts & features

The record, sourced

Type

Rental

Year built

2020

Price / sqft

$2

HOA

None

County

Norfolk VA

MLS #

10634461

Association amenities

Ground MaintOther

Interior

Bedrooms
2
Full baths
2
Half baths
1
Approx. sqft
1,566
Stories
3
Flooring
Ceramic, Laminate/LVP
Ensuite bedrooms
2
Other rooms
Attic, Balcony, 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

Construction & exterior

Style
Traditional, Transitional
Foundation
Slab
Roof
Asphalt Shingle
Pool
No Pool

Utilities & systems

Heating
Electric, Heat Pump
Cooling
Central Air
Water heater
Electric
Water
City/County
Sewer
City/County

Lot, parking & ownership

Subdivision
THE TERN
Unit / floor
1
Garage
Yes
Parking
Garage Att 2 Car, Off Street, Driveway Spc, Street
Possession
RENTAL
Disclosures
Crash Zone None, Noise < 65 dB

See more Norfolk homes under $200K.

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

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.

$395K

Median sale · 12 mo

$260

Sold $/sq ft

26d

Days on market

66

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

$16/mo

Principal & interest

$16

Property tax

$0

Home insurance

$1

PMI

None

HOA/Condo (paid separately)

None

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

Why we show no algorithmic estimate.

National AVMs misprice homes whose value drivers they can't see. Instead: the sourced assessment above, the carrying cost, real price history, and honest comparables below.

Price context — similar nearby homes

$300,000$360,000

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.

7044 Gardner DR · 2.2 mi · 1,456 sqft$300,000 sold 2026-02
1916 McDowell RD · 2.6 mi · 1,577 sqft$309,500 sold 2026-04
6501 Clemson AVE · 2.7 mi · 1,580 sqft$360,000 sold 2026-06

Sale & Tax History

List Price

$3,000

Price / Sq Ft

$2

Annual Taxes

N/A

Monthly Tax

N/A

HOA

None

Tax Rate (effective)

N/A

Sale Timeline (this listing)

EventDatePriceDetail
ListedMay 16, 2026$3,000
SoldMay 15, 2026$3,000

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

Real questions, answered from the record

Is 9628 21st Bay St in a good school zone?+
The assigned zones on the listing record are Little Creek Elementary (GreatSchools 4/10), Azalea Gardens Middle, Lake Taylor (GreatSchools 3/10). School attendance zones can change — always confirm enrollment with the local school division.
Is 9628 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.
Is there a gym near 9628 21st 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 9628 21st Bay St?+
East Beach Fountain Square and Park is about 0.2 miles away.
Where is the nearest grocery store to 9628 21st Bay St?+
Riffle Farms Market & Co-op is about 0.2 miles away. The closest dining on record is Sour Street Pizza (0 mi).
Does 9628 21st Bay St have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 9628 21st 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 #10634461

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.

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

Call or text (757) 777-7577

9628 21st Bay St, Norfolk, Virginia 23518 · MLS #10634461 · 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.