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✓ Source: REIN MLS #10608548 · record updated Mar 23, 2026 · synced every 2 min · your inquiry is never resold
MM (Tooley Harbor (St Simmons) NONE, ELIZABETHCITY NC 27909 - Main photo
MM (Tooley Harbor (St Simmons) NONE, ELIZABETHCITY NC 27909 - Photo 2
MM (Tooley Harbor (St Simmons) NONE, ELIZABETHCITY NC 27909 - Photo 3
MM (Tooley Harbor (St Simmons) NONE, ELIZABETHCITY NC 27909 - Photo 4
MM (Tooley Harbor (St Simmons) NONE, ELIZABETHCITY NC 27909 - Photo 5
5beds
3baths
2,364sqft
276days on market

Mm (Tooley Harbor (St Simmons), Elizabeth City, NC 27909

ActiveResidential · built 2025 · TOOLEY HARBOR

About this home

Check out the newest model the St. Simmons. This stunning open floorplan features a primary suite and 2 additional bedrooms with en-suites down and a bonus room bedroom with room for an additional full bath upstairs. Upon entry, you'll be greeted with a charming foyer that leads to an open and flexible Living Room/Dining Room and Kitchen area, complete with a beautiful island and bar that allows natural light to filter in from the large sliding doors and windows. The kitchen features luxurious granite countertops, stainless appliances, slow-close cabinets, and a walk-in pantry. The owner's retreat is a true oasis, featuring a spacious en-suite bathroom with dual vanity sinks, a walk-in shower, and walk-in closet. The remaining bedrooms offer ample space and double door closets, all with 9 foot ceilings. Don't miss your chance to experience the Tooley Harbor difference.

Listing courtesy of Russell Bryant · Thrive Realty · REIN MLS #10608548

Facts & features

Type

Residential

Year built

2025

Price / sqft

$190

HOA fee

$35/mo

Taxes

$4,000/yr

County

Elizabeth City NC

MLS #

10608548

HOA association includes

DockGround MaintOtherSecurity

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

Interior

Bedrooms
5
Full baths
3
Approx. sqft
2,364
Stories
2
Flooring
Laminate/LVP
Ensuite bedrooms
2
First-floor bed & full bath
Yes
Total rooms
9
Other rooms
1st Floor BR, 1st Floor Primary BR, Attic, Fin. Rm Over Gar, 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
Transitional
Subtype
Detached
Foundation
Other,Slab
Roof
Asphalt Shingle,Composite
Exterior
Vinyl
Pool
No Pool

Utilities & systems

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

Lot, parking & ownership

Subdivision
TOOLEY HARBOR
Ownership
Fee Simple
Garage
Yes
Parking
Garage Att 2 Car, 2 Space, Driveway Spc, Street
Possession
RECORDING
Disclosures
Deed Restrictions/Covenants, Resale Certif Req

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 five-bedroom, three-bath home in Tooley Harbor offers 2,364 square feet of modern living space. Built in 2025, this residence sits on the water in Elizabeth City. It's positioned for easy access to nearby amenities and military installations.

Read the full overview ↓

Why this home stands out

This newly constructed home combines contemporary design with waterfront location in a growing Elizabeth City neighborhood. Five bedrooms and three full baths provide flexible space for various lifestyles. The 2,364-square-foot layout flows naturally, with modern systems and finishes throughout. Tooley Harbor itself is a quieter enclave with water-access character. You'll find the home situated to take advantage of both local convenience and proximity to regional employment centers.

TOOLEY HARBOR and the Elizabeth City real estate market

Tooley Harbor is a residential neighborhood in Elizabeth City known for its waterfront character and quieter pace. Tree-lined streets and established homes create a stable community feel. Elizabeth City itself sits in northeastern North Carolina, serving as a regional hub for the Outer Banks and surrounding areas. The city offers a blend of maritime heritage, local commerce, and outdoor recreation. Getting around is straightforward—major routes connect you to regional destinations within reasonable drive times. Daily life centers on local shops, dining, and water-based activities. If you're comparing homes for sale in Elizabeth City, note that waterfront neighborhoods like Tooley Harbor tend to hold particular appeal for those valuing water access and established character.

What's nearby

Hangar 7 restaurant is just 0.4 miles away, perfect for a quick meal out. Big Daddy's Pizza sits 0.9 miles down the road for casual dining. Dollar General is 0.6 miles away for everyday shopping needs. USCG MWR Gym is 0.5 miles from the home, offering fitness access. These nearby conveniences mean you're never far from essentials or a bite to eat. The neighborhood keeps you connected to both dining and daily errands without a long 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 smoothly. The home's 2025 build means no immediate repairs—modern systems and current building standards throughout.

Room to grow

Five bedrooms give you room to grow—a dedicated office, guest space, or hobby room. Three full baths reduce morning conflicts. The 2,364-square-foot layout spreads comfortably across the home. Waterfront access and a quieter neighborhood setting appeal to those seeking space and character.

More buyer questions

How far is this home from NSA Northwest Annex?

About 42 minutes by car. It's a reasonable commute for those working at the base or the surrounding area.

What year was this home built?

2025. It's brand new with modern construction, current systems, and no deferred maintenance.

Are there restaurants near Tooley Harbor?

Yes. Hangar 7 is 0.4 miles away, and Big Daddy's Pizza is 0.9 miles from the home.

Can I use a VA loan to purchase here?

VA loan financing is available and commonly used in Elizabeth City. New construction often qualifies smoothly for VA purchase programs.

What is the square footage of this home?

The home is 2,364 square feet with five bedrooms and three full bathrooms.

Ready to explore this new Tooley Harbor home? Contact Tom & Dariya Milan to schedule a tour and learn more.

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$380K – $520K5+ 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

8.7 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

41min·30.6mi

USCG Finance Ctr

Coast Guard

55min·43.8mi

Dam Neck

Navy

82min·56.5mi

J7 Suffolk

Joint

60min·49.9mi

NNSY

Navy

61min·51.9mi

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

$2,799/mo

Principal & interest

$2,334

Property tax

$333

Home insurance

$131

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 – $472,920

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.

116 Grand View DR · 0.2 mi · 2,337 sqft$472,920 sold 2026-10
101 Lands End DR · 0.1 mi · 2,258 sqft$467,946 sold 2026-08
206 Grand View DR · 0.1 mi · 2,235 sqft$424,900 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

$449,900

Price / Sq Ft

$190

Annual Taxes

$4,000

Monthly Tax

$333

HOA fee

$35 / mo

Tax Rate (effective)

0.89%

Sale Timeline (this listing)

EventDatePriceDetail
ListedNov 1, 2025$449,900—
Currently listed—$449,900—

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 (St Simmons) 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 (St Simmons) 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 (St Simmons)?+
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 (St Simmons)?+
Dollar General is about 0.6 miles away. The closest dining on record is Hangar 7 (0.6 mi).
Does Mm (Tooley Harbor (St Simmons) 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: Dock, Ground Maint, Other, Security.
When was Mm (Tooley Harbor (St Simmons) 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 #10608548

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 (St Simmons), Elizabeth City — photo

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

Call or text (757) 777-7577

Mm (Tooley Harbor (St Simmons), Elizabeth City, North Carolina 27909 · MLS #10608548 · 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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