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Suffolk › SPENCER'S WATCH › Mm &Quot;The Monroe&Quot; @ Spencer&Apos;S Watch✓ Source: REIN MLS #10651340 · record updated Sep 5, 2026 · synced every 2 min · your inquiry is never resold
MM "The Monroe" @ Spencer's Watch NONE, SUFFOLK VA 23435 - Main photo
MM "The Monroe" @ Spencer's Watch NONE, SUFFOLK VA 23435 - Photo 2
MM "The Monroe" @ Spencer's Watch NONE, SUFFOLK VA 23435 - Photo 3
MM "The Monroe" @ Spencer's Watch NONE, SUFFOLK VA 23435 - Photo 4
5beds
3baths
2,790sqft
8days on market

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

ActiveResidential · built 2026 · SPENCER'S WATCH

Facts & features

Type

Residential

Year built

2026

Price / sqft

$242

HOA fee

$125/mo

Taxes

$6,749/yr

County

Suffolk VA

MLS #

10651340

Interior

Bedrooms
5
Full baths
3
Approx. sqft
2,790
Stories
2
Flooring
Carpet, Ceramic, Laminate/LVP
Ensuite bedrooms
2
First-floor bed & full bath
Yes
Total rooms
6
Other rooms
1st Floor BR, Breakfast Area, Foyer, PBR with Bath
Appliances
Dishwasher, Disposal, Dryer Hookup, Microwave, Gas Range, Washer Hookup

Construction & exterior

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

Utilities & systems

Heating
Forced Hot Air, Heat Pump, 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

Fall in love with the Monroe, a stunning floor plan by Bishard Homes now available to build at Spencer's Watch! Designed with modern multi-gen living in mind, this home offers 2,790 sq ft of versatile space featuring 5 bedrooms and 3 full baths. You will enjoy the seamless flow of open living areas great for togetherness, plus flexible spaces that adapt to your needs. Located in the heart of North Suffolk near Bennett's Creek and Harbour View, you are within driving distance of all the best shopping, parks, and commuter routes in Hampton Roads. This coastal-inspired gem truly checks all the boxes for long-term comfort and style. Reach out today to explore building your dream home in Suffolk's newest community!

Listing courtesy of Stacy Potts · Focus Realty LLC · REIN MLS #10651340

Tom & Dariya's overview

Our read on this home

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

At a glance

The Monroe is a five-bedroom, three-bath new construction home at Spencer's Watch in Suffolk, Virginia, delivering 2,790 square feet of thoughtfully designed living space. Built in 2026, it gives buyers a rare chance to own a brand-new home in one of the region's quietly growing corridors.

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

What sets The Monroe apart is the combination of scale and newness that is genuinely hard to find in Suffolk's 23435 zip code. Five bedrooms and three full baths across nearly 2,800 square feet means room for a home office, a guest suite, and still space left over. Being built in 2026, every system — roof, HVAC, plumbing, electrical — starts the clock fresh on day one.

SPENCER'S WATCH and the Suffolk real estate market

Spencer's Watch sits in the western reaches of Suffolk, a city that has been quietly rewriting its own story for the better part of a decade. Suffolk is Virginia's largest city by land area, and that geography translates into breathing room: wider lots, less congestion, and a pace that feels intentional rather than accidental. The 23435 corridor connects you to the rest of Hampton Roads without swallowing you in it. Downtown Suffolk's revitalized Main Street is a short drive away, and the broader city wraps you in a mix of working farms, wooded greenways, and newer residential communities that give the area a distinctly unhurried character. Families comparing homes for sale in Suffolk often land here precisely because the trade-off — a little more drive time in exchange for more space and newer construction — makes immediate sense.

What's nearby

Daily life at Spencer's Watch is more convenient than the address might suggest. Harbour View, just a few minutes east, puts a full grocery run, pharmacy stops, and a solid lineup of restaurants and coffee shops within easy reach. The Harbour View area along Harbour View Boulevard has become the commercial anchor for this part of Suffolk, with national retailers and local spots sitting side by side. Sleepy Hole Park is close by for weekend trail walks and waterfront picnics, and Interstate 664 access keeps downtown Norfolk, Newport News, and Virginia Beach all within a reasonable commute window.

For different buyers

For military families relocating

NSA Northwest Annex is roughly 17 minutes from Spencer's Watch, and Joint Staff J7 Suffolk is about 18 minutes out — a commute that leaves real time in your day. A VA loan pairs naturally with a 2026 build, since new construction appraisals tend to be straightforward and there are no deferred-maintenance surprises waiting behind the walls. Five bedrooms also means flexibility when deployment schedules shift family arrangements.

For families upgrading

If your current home has outgrown your family, The Monroe's five-bedroom, three-bath layout gives you room to actually spread out. Families comparing homes for sale zoned for Nansemond River High School and homes for sale zoned for Driver Elementary School will find Spencer's Watch sits squarely in that attendance zone, and the 2026 build date means you're not inheriting anyone else's deferred maintenance list.

More buyer questions

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

The drive from Spencer's Watch to NSA Northwest Annex is approximately 17 minutes under normal traffic conditions, making it one of the more practical commutes in the 23435 area for personnel stationed there.

What is included in a new construction home like The Monroe?

New construction at Spencer's Watch means all major systems — roof, HVAC, plumbing, and electrical — are brand new as of 2026, and buyers typically receive builder warranties covering structural components and mechanical systems for defined periods.

Is 23435 a good zip code for military families using a VA loan?

The 23435 zip code sits within comfortable driving distance of both NSA Northwest Annex and Joint Staff J7 Suffolk, and a VA loan works well with new construction because the appraisal process on a newly built home is generally clean and well-documented.

Does Spencer's Watch have an HOA?

Spencer's Watch is a planned community, so an HOA is in place — buyers should request the current HOA documents during due diligence to understand what is covered and what the community standards include.

What is the flood risk at this address?

Flood zone status for this specific lot should be confirmed via the FEMA Flood Map Service Center using the property's legal description, and your lender will order a flood determination as part of the loan process.

Tom and Dariya Milan at LPT Realty know the Suffolk new-construction market well — reach out to get the full picture on The Monroe at Spencer's Watch and what the builder timeline looks like right now.

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

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

Suffolk$570K – $780K5+ 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

browse Suffolk listings →

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

$4,261/mo

Principal & interest

$3,502

Property tax

$562

Home insurance

$197

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

$459,800 – $595,000

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.

3002 Beech Grove LN · 1.3 mi · 2,776 sqft$500,000 sold 2026-07
3109 Driver Station WAY · 1.2 mi · 2,643 sqft$459,800 sold 2026-03
1121 Driver Pointe CT · 1.2 mi · 3,079 sqft$595,000 sold 2026-05

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

Sale & Tax History

List Price

$674,900

Price / Sq Ft

$242

Annual Taxes

$6,749

Monthly Tax

$562

HOA fee

$125 / mo

Tax Rate (effective)

1.00%

Sale Timeline (this listing)

EventDatePriceDetail
ListedAug 29, 2026$674,900—
Currently listed—$674,900—

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 Monroe&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 Monroe&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 Monroe&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 Monroe&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 #10651340

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 Monroe&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 Monroe&Quot; @ Spencer&Apos;S Watch, Suffolk, Virginia 23435 · MLS #10651340 · 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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