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✓ Source: REIN MLS #10608555 · record updated Nov 10, 2025 · synced every 2 min · your inquiry is never resold
MM Tooley Harbor (Cypress Bluff) NONE, ELIZABETHCITY NC 27909 - Main photo
MM Tooley Harbor (Cypress Bluff) NONE, ELIZABETHCITY NC 27909 - Photo 2
MM Tooley Harbor (Cypress Bluff) NONE, ELIZABETHCITY NC 27909 - Photo 3
MM Tooley Harbor (Cypress Bluff) NONE, ELIZABETHCITY NC 27909 - Photo 4
MM Tooley Harbor (Cypress Bluff) NONE, ELIZABETHCITY NC 27909 - Photo 5
4beds
3baths
2,827sqft
276days on market

Mm Tooley Harbor (Cypress Bluff), Elizabeth City, NC 27909

ActiveResidential · built 2025 · TOOLEY HARBOR

Chapter · The Water

Life on the water

The waterfront is the reason this home exists. Its water record, straight from the listing: Pond.

Frontage

Pond ✓ VERIFIED

Source: REIN MLS listing record · waterfront features as listed

About this home

Discover the essence of modern coastal charm in Elizabeth City's Tooley Harbor neighborhood! This unique new construction home redefines the neighborhood's aesthetic with its contemporary look and use of natural wood accents. Inside, you'll be greeted by a beautiful mantle and fireplace. 4 full bedrooms and 3 baths, and a walk-in attic with flooring for storage. Situated on a lot of your choosing and featuring quartz countertops, stainless steel appliances, and much more. Come and experience the HomeLink difference and discover why our properties are BUILT BETTER, from the ground up. (NO WIRE SHELVING, PVC DOOR FRAMES, SOFT CLOSE CABINETS THROUGHOUT, SMART GARAGE DOOR OPENERS, FINISHED GARAGES, FULLY FLOORED WALK ON ATTIC, CEILING FANS & RECESSED LIGHTS). Please note: Fixtures, finishes, colors, and materials are subject to change during construction.

Listing courtesy of Russell Bryant · Thrive Realty · REIN MLS #10608555

Facts & features

Type

Residential

Year built

2025

Price / sqft

$241

HOA fee

$35/mo

Taxes

$354/yr

County

Elizabeth City NC

Waterfront

Yes

MLS #

10608555

HOA association includes

Ground MaintOtherSecurity

$35/mo HOA fee · n/a · per the REIN MLS listing record — confirm inclusions with the association.

Interior

Bedrooms
4
Full baths
3
Approx. sqft
2,827
Stories
2
Flooring
Laminate/LVP
Ensuite bedrooms
1
First-floor bed & full bath
Yes
Total rooms
9
Other rooms
1st Floor BR, 1st Floor Primary BR, Attic, Breakfast Area, Fin. Rm Over Gar, Foyer, PBR with Bath, Pantry, Porch, Utility Room
Interior features
Bar, Fireplace Electric, Primary Sink-Double, Walk-In Attic, Walk-In Closet
Appliances
Dishwasher, Dryer Hookup, Microwave, Gas Range, Washer Hookup
Equipment
Cable Hookup, Ceiling Fan, Gar Door Opener

Construction & exterior

Style
Contemp
Subtype
Detached
Foundation
Slab
Roof
Asphalt Shingle,Composite
Exterior
Other,Vinyl
Pool
No Pool
Waterfront
Pond

Utilities & systems

Heating
Nat Gas,Programmable Thermostat
Cooling
Central Air,Heat Pump W/A,Zoned
Water heater
Gas
Water
City/County
Sewer
City/County

Lot, parking & ownership

Lot size
0.3560
Approx. acres
0.36
Subdivision
TOOLEY HARBOR
Zoning
R-15
Ownership
Fee Simple
Garage
Yes
Parking
Garage Att 2 Car, 4 Space, Driveway Spc, Street
Possession
CLOSING
Miscellaneous
Warranty Plan
Disclosures
Disclosure Statement

Sources: REIN MLS record

Tom & Dariya's overview

Our read on this home

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

At a glance

Brand-new four-bedroom, three-bath home in Tooley Harbor with 2,827 square feet on a quarter-acre lot. Built in 2025, it offers modern construction and open living. Elizabeth City puts you near water, dining, and shopping with easy access to the Outer Banks.

Read the full overview ↓

Why this home stands out

This is a fresh-built property in an established waterfront neighborhood. You get contemporary finishes and layout without the hunt for older-home surprises. The quarter-acre lot gives you breathing room in a community known for its water access and relaxed pace. Tooley Harbor residents enjoy both privacy and proximity to local amenities, making it an appealing blend of new construction reliability and neighborhood character.

TOOLEY HARBOR and the Elizabeth City real estate market

Tooley Harbor is a quiet residential pocket in Elizabeth City, North Carolina, where tree-lined streets and modest lot sizes create an intimate feel. Homes here tend toward single-family designs with character and space. The neighborhood sits in the heart of the Albemarle region, a historic waterfront area with deep roots in maritime heritage. Elizabeth City itself is a charming mid-sized town anchored by the Pasquotank River. You'll find local shops, restaurants, and services within a short drive. The town has a walkable downtown core and easy access to coastal attractions—the Outer Banks are roughly 45 minutes away by car. Daily errands are simple: groceries, coffee, and dining options cluster nearby, and the pace of life is notably relaxed compared to larger metros.

What's nearby

Dollar General and Food Lion are both within a mile, covering everyday grocery needs. Big Daddy's Pizza sits just 0.4 miles away for a quick dinner option. The Grill and China Garden offer more variety at 0.7 miles. For coffee, Kathy's Kreations Market and Pineapple Cafe are each under a mile away. If you're fitness-minded, USCG MWR Gym is 0.9 miles out. Most daily errands cluster within walking distance or a very short drive.

For different buyers

Base commute and VA loan notes

About 42 minutes to NSA Northwest Annex. VA loan financing is widely available in this market, and new construction often qualifies for favorable terms. A 2025-built home means minimal immediate repairs and a clean inspection record—helpful for smooth closings and straightforward move-in logistics.

Room to grow

Four bedrooms and three bathrooms give you room to grow. Nearly 2,800 square feet of open layout supports active households. The quarter-acre lot is large enough for outdoor play and storage without overwhelming maintenance demands. New construction means modern systems, efficient HVAC, and a floor plan built for today's living patterns.

More buyer questions

How far is Tooley Harbor from NSA Northwest Annex?

About 42 minutes by car. Commute time is reasonable for the area, and the neighborhood itself sits in a quiet, established community away from base traffic.

What year was this home built?

2025. It's brand-new construction, so you're getting modern building codes, current HVAC and electrical systems, and the peace of mind that comes with a fresh home.

Are there grocery stores near Tooley Harbor?

Yes. Dollar General is 0.4 miles away and Food Lion is 0.7 miles away, making everyday shopping quick and convenient.

What dining options are close by?

Big Daddy's Pizza is just 0.4 miles away, and The Grill and China Garden are both 0.7 miles out. You have casual and varied options within a short drive.

Is Tooley Harbor walkable to shops and restaurants?

Most daily errands are within a mile, so walking or a very short drive covers coffee, food, and groceries. The neighborhood itself is quiet and residential, with services clustered nearby rather than on the block.

Ready to explore this new home in Tooley Harbor? Reach out to Tom & Dariya Milan to schedule a showing and see the space for yourself.

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

How Far Is?

Driving distance by road and typical drive time via Google Maps, to the nearest location of each.

Also nearby

Distances are straight-line (as the crow flies) from this property, not driving miles. Places within ~1 mile, nearest first. Powered by Google Places.

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

Elizabeth City$575K – $785K4+ beds

By subscribing you agree to receive listing emails from Tom & Dariya Milan, Realtors, at most one a day. Unsubscribe anytime · Privacy PolicyBrokered by LPT Realty

Schools

VaHome School Score

Our own 1–10 rating, scored from Virginia Department of Education data.

  • ElementaryJ C Sawyer Elementary
    —
  • MiddleRiver Road Middle
    —
  • HighNortheastern
    —

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 37139C

Flood Risk (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 37139C

Low / Moderate Risk

FEMA flood zone

X (low to moderate risk)

Base flood elevation

Not applicable in low-risk zones

Zone X is outside the Special Flood Hazard Area; FEMA doesn\u2019t define a BFE here.

Property elevation

6.5 ft above sea level

USGS 3DEP digital elevation model

Outside the high-risk Special Flood Hazard Area. Federal flood insurance is NOT required, though optional preferred-rate NFIP coverage is still worth considering in coastal Hampton Roads.

Data sources: Flood zone and base flood elevation come from FEMA\u2019s National Flood Hazard Layer. Property elevation is sampled from a single point on the parcel using the USGS National Map elevation service \u2014 actual elevations across a single property can vary by several feet higher or lower than the figure shown. Use these numbers as a starting reference and do your own due diligence (a professional survey or elevation certificate) before relying on them for any financial, insurance, or construction decision.

Hurricane Evacuation Zone

Not in a designated hurricane evacuation zone.

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

Military Commute

Drive times to nearest bases

NW Annex

Navy

40min·29.9mi

USCG Finance Ctr

Coast Guard

55min·43.1mi

J7 Suffolk

Joint

59min·49.5mi

Dam Neck

Navy

82min·55.8mi

NNSY

Navy

60min·51.5mi

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

Payment Calculator

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

$3,756/mo

Principal & interest

$3,528

Property tax

$30

Home insurance

$198

PMI

None

HOA/Condo (paid separately)

$35

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

Comparables

Price context — similar nearby homes

$407,990 – $599,900

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.

109 Lands End DR · 0.1 mi · 2,824 sqft$599,900 sold 2026-05
103 Lands End DR · 0.1 mi · 2,854 sqft$544,475 sold 2026-05
520 Keel WAY · 0.4 mi · 2,801 sqft$479,900 sold 2026-05

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

Sale & Tax History

List Price

$679,900

Price / Sq Ft

$241

Annual Taxes

$354

Monthly Tax

$30

HOA fee

$35 / mo

Tax Rate (effective)

0.05%

Sale Timeline (this listing)

EventDatePriceDetail
ListedNov 1, 2025$679,900—
Currently listed—$679,900—

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:

Elizabeth City Assessor (Google)

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

276 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 Tooley Harbor (Cypress Bluff) in a good school zone?+
The assigned zones on the listing record are J C Sawyer Elementary, River Road Middle, Northeastern. School attendance zones can change — always confirm enrollment with the local school division.
Is Mm Tooley Harbor (Cypress Bluff) 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.
Is there a gym near Mm Tooley Harbor (Cypress Bluff)?+
Yes — USCG MWR Gym is about 0.7 miles away, per the cached nearby-places record for this address.
Where is the nearest grocery store to Mm Tooley Harbor (Cypress Bluff)?+
Dollar General is about 0.4 miles away. The closest dining on record is Hangar 7 (0.6 mi).
Is Mm Tooley Harbor (Cypress Bluff) a waterfront property?+
Yes. The listing record shows: Pond.
Does Mm Tooley Harbor (Cypress Bluff) 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. Association amenities on record include: Ground Maint, Other, Security.
When was Mm Tooley Harbor (Cypress Bluff) built?+
It was built in 2025, 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

Listing courtesy of Russell Bryant · Thrive Realty · REIN MLS #10608555

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 Tooley Harbor (Cypress Bluff), Elizabeth City — photo

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

Call or text (757) 777-7577

Mm Tooley Harbor (Cypress Bluff), Elizabeth City, North Carolina 27909 · MLS #10608555 · 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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