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SuffolkSPENCER'S WATCHMm &Quot;The Florence&Quot; @ Spencer&Apos;S Watch✓ Source: REIN MLS #10650486 · record updated Aug 31, 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
4beds
3baths
2,353sqft
8days on market

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

ActiveResidential · 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
Fee Simple
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 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

Tom & Dariya's overview

Our read on this home

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

At a glance

The Florence at Spencer's Watch is a brand-new 2026 construction offering four bedrooms, three full baths, and 2,353 square feet in western Suffolk — a thoughtfully designed home in a community where Bennett's Creek Park is practically in your backyard.

Read the full overview ↓

Why this home stands out

New construction in 2026 means you're getting modern mechanical systems, current energy codes, and a layout built for the way people actually live today — open, flexible, and finished to a consistent standard throughout. Spencer's Watch sits in a quieter corridor of Suffolk that still puts you within a short drive of both NSA Northwest Annex and Joint Staff J7 Suffolk, which is a harder combination to find than most buyers expect.

SPENCER'S WATCH and the Suffolk real estate market

Spencer's Watch is a residential community in western Suffolk, Virginia — a city that has grown steadily while holding onto the elbow room and slower pace that draw buyers away from denser Hampton Roads markets. Suffolk spans more land area than any other city in Virginia, and the 23435 zip code captures some of its most appealing geography: mature tree lines, proximity to the Nansemond River watershed, and a genuine neighborhood feel without the congestion of the peninsula or oceanfront corridors. Among homes for sale in Suffolk, this pocket of the city stands out for its balance of accessibility and breathing room. Downtown Suffolk, with its local restaurants and farmers market, is a reasonable drive east, while everyday errands along Route 17 and Harbour View keep life convenient. The community is part of the broader Nansemond area, and families comparing homes for sale in 23435 will find that the surrounding streets offer a stable, established residential character even as new construction continues to arrive.

What's nearby

Bennett's Creek Park and Boat Ramp sits just one mile from the front door — a genuine asset for anyone who kayaks, fishes, or simply wants a green space to walk on a weekday afternoon. The park connects to the broader waterway system that defines this part of Suffolk, giving the neighborhood a recreational dimension that most new-construction communities can't claim. Harbour View's retail corridor is close enough for grocery runs, dining, and pharmacy stops without a long haul. The route toward Chesapeake opens up additional shopping and dining options, and Interstate 664 access keeps Norfolk, Portsmouth, and Virginia Beach within practical reach for work or weekend plans.

For different buyers

For military families relocating

NSA Northwest Annex is 17 minutes out and Joint Staff J7 Suffolk is 19 — both well within the range most military families target when using a VA loan to keep the commute manageable. New construction in 2026 also means lower maintenance demands during a tour, which matters when you're balancing a busy schedule and may be managing a move on short notice.

For families upgrading

Four bedrooms and three full baths in 2,353 square feet gives a growing family genuine room to spread out — dedicated space for a home office, a guest room, or a playroom without anyone doubling up. Families comparing homes for sale zoned for Nansemond River High School and homes for sale zoned for Driver Elementary School will find The Florence sits in that zone, pairing a well-sized floor plan with the school assignment many buyers in this corridor are specifically seeking.

More buyer questions

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

The drive runs approximately 17 minutes under normal traffic conditions, making it a practical daily commute for service members stationed there. Joint Staff J7 Suffolk is similarly close at around 19 minutes.

What is the flood zone status for this address?

Flood zone information for this address is displayed in the dedicated FloodRisk tile on this page, which pulls current FEMA map data for the 23435 area.

Is there an HOA at Spencer's Watch?

Spencer's Watch does have a homeowners association; your agent can provide the current governing documents and any applicable rules before you move forward.

What parks or outdoor spaces are near The Florence?

Bennett's Creek Park and Boat Ramp is about one mile away, offering water access, green space, and a boat launch that makes it easy to get out on the Nansemond River system.

Can a VA loan be used to purchase new construction like The Florence?

Yes — VA loans can be used for new construction, though the process involves a few additional steps around appraisals and builder requirements that your lender and agent can walk you through.

Tom and Dariya Milan at LPT Realty know this corridor of Suffolk well — reach out to get your questions answered and schedule a look at The Florence.

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

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

Suffolk$520K – $715K4+ 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 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

$499,900$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.

3102 Caroline CRES · 1.1 mi · 2,430 sqft$499,900 sold 2026-08
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

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

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 23, 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

8 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

Brokered by 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.