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Suffolk › SPENCER'S WATCH › Mm &Quot;The Florence&Quot; @ Spencer&Apos;S Watch✓ Source: REIN MLS #10650486 · record updated Aug 24, 2026 · synced every 2 min · your inquiry is never resold
MM "The Florence" @ Spencer's Watch NONE, SUFFOLK VA 23435 - Main photo
MM "The Florence" @ Spencer's Watch NONE, SUFFOLK VA 23435 - Photo 2
MM "The Florence" @ Spencer's Watch NONE, SUFFOLK VA 23435 - Photo 3
MM "The Florence" @ Spencer's Watch NONE, SUFFOLK VA 23435 - Photo 4
$617,400
$262 / sqft · est. $4,023/mo →
4beds
3baths
2,353sqft
2days on market

Mm &Quot;The Florence&Quot; @ Spencer&Apos;S Watch, Suffolk, VA 23435

New ListingResidential · built 2026 · SPENCER'S WATCH

Facts & features

Type

Residential

Year built

2026

Price / sqft

$262

HOA fee

$125/mo

Taxes

$6,174/yr

County

Suffolk VA

MLS #

10650486

Interior

Bedrooms
4
Full baths
3
Approx. sqft
2,353
Stories
2
Flooring
Carpet, Ceramic, Laminate/LVP
Ensuite bedrooms
2
First-floor bed & full bath
Yes
Total rooms
6
Other rooms
1st Floor BR, Attic, Breakfast Area, Loft, PBR with Bath, Office/Study, Pantry, Screened Porch
Appliances
Dishwasher, Disposal, Dryer Hookup, Microwave, Gas Range, Washer Hookup

Construction & exterior

Style
Contemp, Ranch, Transitional
Subtype
Detached
Foundation
Slab
Roof
Asphalt Shingle,Metal
Exterior
Brick,Fiber Cement
Pool
No Pool

Utilities & systems

Heating
Forced Hot Air, Nat Gas, Programmable Thermostat, Zoned
Cooling
Central Air, Zoned
Water heater
Gas
Water
City/County
Sewer
City/County

Lot, parking & ownership

Subdivision
SPENCER'S WATCH
Ownership
Timeshare
Garage
Yes
Parking
Garage Att 2 Car, 2 Space
Possession
CLOSING
Miscellaneous
Warranty Plan
Disclosures
Common Interest Community, Disclosure Statement, Resale Certif Req

See more Suffolk new construction homes.

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

About this home

The Florence is a brand-new offering which blends open-concept living, structural options, and everyday functionality in a layout built for modern family life. Only now available at Spencer's Watch! A spacious open dining and family room flows seamlessly into the kitchen, oversized island, breakfast nook, creating one inviting gathering space designed for everything from weeknight dinners to holidays and entertaining. Personalize the first floor to fit your lifestyle with available options including a first-floor guest suite with full bath, formal dining room, fireplace, expanded covered porch, screened porch, sunroom, and outdoor living upgrades. Upstairs, The Florence continues to impress with spaces designed to adapt as your needs change. The spacious Owner's Suite features a large walk-in closet and well-appointed bath with dual vanities, private water closet, and oversized shower.

Listing courtesy of Stacy Potts · Focus Realty LLC · REIN MLS #10650486

VaHome team overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · LPT Realty

At a glance

Meet The Florence at Spencer's Watch — a brand-new 2026 construction in Suffolk, Virginia offering four bedrooms, three baths, and 2,353 square feet of thoughtfully designed living space, minutes from Bennett's Creek and two major military installations.

Keep searching in Suffolk

See all Suffolk homes for sale, including homes for sale in 23435, homes for sale zoned for Nansemond River High School, and homes for sale zoned for Driver Elementary School. Browse every listing among homes for sale in Suffolk — updated from the REIN MLS every few minutes. Nearby, look at Bennett's Pasture homes for sale, Suffolk waterfront homes for sale, Suffolk condos and townhomes for sale, and new construction homes in Suffolk.

Read the full overview ↓

Why this home stands out

New construction in 2026 means you're getting the full package: modern systems, fresh finishes, and none of the maintenance surprises that come with older homes. The Florence floor plan at Spencer's Watch delivers four bedrooms and three full baths across 2,353 square feet, giving everyone room to spread out. It's a strong foothold in one of Suffolk's quieter, creek-side corridors — without sacrificing commute convenience.

SPENCER'S WATCH and the Suffolk real estate market

Spencer's Watch is a developing community in the 23435 zip code, tucked into the northwestern edge of Suffolk where the pace slows down and the scenery opens up. Bennett's Creek winds through this part of the city, and the surrounding landscape has that classic Hampton Roads mix of mature trees, waterway access, and wide-open sky. Suffolk itself is one of the largest cities by land area in the entire country, and that scale translates to breathing room — bigger lots, less congestion, and a genuine sense of space that's increasingly rare this close to the broader metro. Downtown Suffolk is a short drive east, with local dining, the Obici House, and community events that give the city real character. Families comparing homes for sale in Suffolk often land here once they discover how much square footage and lot size their budget can reach in this part of the market.

What's nearby

Daily life is easy here. Bennett's Creek Park & Boat Ramp sits just 0.8 miles away — a genuine asset for kayakers, anglers, and anyone who wants a waterfront afternoon without driving far. Kompan Fit is one mile out if you prefer your workouts structured and close to home. Grocery runs, pharmacies, and everyday errands are handled along the Route 17 corridor, which connects Spencer's Watch to the broader Western Branch and Harbour View commercial strips in under ten minutes. The Harbour View area in particular has restaurants, a movie theater, and retail that covers most of what a household needs week to week.

For different buyers

For military families relocating

NSA Northwest Annex is 17 minutes from Spencer's Watch, and Joint Staff J7 Suffolk is 19 minutes out — both well within a comfortable daily commute. New construction means no deferred maintenance to absorb at PCS time, and a VA loan pairs cleanly with a 2026 build. Families comparing homes for sale in 23435 with base access and modern finishes will find The Florence checks both boxes.

For families upgrading

Four bedrooms and three full baths in a brand-new floor plan means every member of the household gets real space — not just square footage on paper. Families weighing homes for sale zoned for Nansemond River High School and homes for sale zoned for Driver Elementary School will find Spencer's Watch sits within that attendance boundary, making The Florence a practical long-term fit as kids grow.

More buyer questions

How far is The Florence at Spencer's Watch from NSA Northwest Annex?

NSA Northwest Annex is approximately 17 minutes from Spencer's Watch under typical traffic conditions. Joint Staff J7 Suffolk is close behind at roughly 19 minutes, making this address a practical base for dual-military households.

What is the flood zone status for this address?

Flood zone information for Spencer's Watch is displayed in the dedicated FloodRisk tile on this page, which pulls current FEMA map data for the specific parcel.

Is there an HOA at Spencer's Watch?

Spencer's Watch is a planned community and does carry an HOA. Your agent can provide the current governing documents and any community covenants that apply to The Florence lots.

When was The Florence floor plan built?

The Florence at Spencer's Watch carries a 2026 year built, making it brand-new construction with modern mechanical systems, current building codes, and builder warranty coverage.

Where is Bennett's Creek Park relative to this address?

Bennett's Creek Park & Boat Ramp is about 0.8 miles from Spencer's Watch — close enough to make it a regular stop for kayaking, fishing, or a waterfront walk without any real planning required.

Tom and Dariya Milan at LPT Realty know Spencer's Watch and the broader Suffolk market well — reach out to get your questions answered and schedule a walkthrough of The Florence.

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

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 X · outside the high-risk area · FIRM 510156

Flood Risk

Looking up FEMA flood zone…

Hurricane Evacuation Zone

Evacuation Zone C

Source: Virginia Dept. of Emergency Management — Know Your Zone

Explore this neighborhood

Bennett's Pasture

Bennett's Pasture is a newer community in North Suffolk, set in a quiet pocket near Bennett's Creek off Bennetts Pasture Road and a short drive from the Harbour View shopping and dining corridor along Route 17.

$561K

Median sale · 12 mo

$226

Sold $/sq ft

74d

Days on market

1

For sale now

$121K

HH income

98.7%

Owner-occupied

REIN MLS closed sales, trailing 12 mo · U.S. Census ACS 2024 5-year

Explore Bennett's Pasture →
Map of Bennett's Pasture with neighborhood boundaryNeighborhood

Suffolk 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

$3,898/mo

Principal & interest

$3,204

Property tax

$515

Home insurance

$180

PMI

None

HOA/Condo (paid separately)

$125

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

$397,000 – $597,604

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.

3025 Dalton CIR · 1 mi · 2,511 sqft$597,604 sold 2026-03
1125 Erin DR · 1 mi · 2,511 sqft$575,990 sold 2026-07
2232 Patrick DR · 1 mi · 2,176 sqft$539,900 sold 2026-07

Sale & Tax History

List Price

$617,400

Price / Sq Ft

$262

Annual Taxes

$6,174

Monthly Tax

$515

HOA fee

$125 / mo

Tax Rate (effective)

1.00%

Sale Timeline (this listing)

EventDatePriceDetail
ListedAug 22, 2026$617,400—
Currently listed—$617,400—

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:

Suffolk 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

2 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 Mm &Quot;The Florence&Quot; @ Spencer&Apos;S Watch in a good school zone?+
The assigned zones on the listing record are Florence Bowser Elementary, John Yeates Middle (VaHome School Score 8.4/10), Nansemond River (VaHome School Score 6/10). School attendance zones can change — always confirm enrollment with the local school division.
Is Mm &Quot;The Florence&Quot; @ Spencer&Apos;S Watch in a flood zone?+
FEMA maps this parcel in Zone X, outside the high-risk Special Flood Hazard Area. See the flood section on this page for details and sources.
Does Mm &Quot;The Florence&Quot; @ Spencer&Apos;S Watch 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 N/A.
When was Mm &Quot;The Florence&Quot; @ Spencer&Apos;S Watch built?+
It was built in 2026, 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 Stacy Potts · Focus Realty LLC · REIN MLS #10650486

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.

Mm &Quot;The Florence&Quot; @ Spencer&Apos;S Watch, Suffolk — photo

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

Call or text (757) 777-7577

Mm &Quot;The Florence&Quot; @ Spencer&Apos;S Watch, Suffolk, Virginia 23435 · MLS #10650486 · 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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