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Elizabeth CityTOOLEY HARBORMm (Tooley Harbor (St Simmons)✓ 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

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 · null fields are suppressed, never faked

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

Tom & Dariya's overview

Our read on this home

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

At a glance

A brand-new 2025 construction five-bedroom, three-bath home in Tooley Harbor, Elizabeth City, North Carolina — 2,364 square feet of fresh, modern living on the water's edge, with a layout built for the way families actually use space today.

Read the full overview ↓

Why this home stands out

New construction in 2025 means everything — the roof, the systems, the finishes — is factory-fresh and under warranty. Five bedrooms give you room to grow, host, or carve out a dedicated home office without compromise. Tooley Harbor's St. Simmons section sits along the water, so you get that sought-after Albemarle Sound–area lifestyle without the price tag of coastal Virginia. This is a rare combination of size, newness, and setting in one address.

TOOLEY HARBOR and the Elizabeth City real estate market

Tooley Harbor is a quiet, water-oriented community on the outskirts of Elizabeth City, North Carolina — a small city that punches well above its weight for livability. Called the 'Harbor of Hospitality,' Elizabeth City sits at the confluence of the Pasquotank River and the Albemarle Sound, giving the whole area a laid-back, nautical character that draws people in and keeps them here. The St. Simmons section of Tooley Harbor feels genuinely removed from the noise of the city, yet downtown Elizabeth City — with its restored waterfront, independent restaurants, and Saturday farmers market — is only a short drive away. Pasquotank County's lower cost of living compared to Hampton Roads makes this corner of northeastern North Carolina an increasingly attractive landing spot for families comparing options across the state line.

What's nearby

Daily life is well-served from this address. Hangar 7, a local favorite, is just 0.4 miles away — close enough to walk on a good evening. Big Daddy's Pizza is under a mile out when you need an easy dinner. Dollar General handles quick household runs at 0.6 miles. For USCG families, the USCG MWR Gym is a half-mile from the door, making it one of the most convenient fitness options in the area. The broader Elizabeth City area adds grocery stores, pharmacies, and a growing retail corridor along the US-17 corridor within a short drive.

For different buyers

For military families relocating

The USCG Finance Center Chesapeake is approximately 67 minutes from this address — a longer commute, but one many service members offset by living in a larger, newer home than they'd find closer to base. Five bedrooms handle PCS moves with room to spare, and the USCG MWR Gym just half a mile away keeps fitness routines intact without the drive.

For families upgrading

Five bedrooms and three full baths in a 2025-built home means no waiting list for the bathroom and no converting a dining room into a bedroom. The layout is designed for modern family life — dedicated spaces for kids, guests, and adults — in a neighborhood setting that trades suburban density for waterside calm.

More buyer questions

How far is Tooley Harbor from USCG Finance Center Chesapeake?

The drive from this address in Tooley Harbor to USCG Finance Center Chesapeake is approximately 67 minutes under normal traffic conditions, primarily via US-17 North through the Hampton Roads Bridge-Tunnel corridor.

What is the flood zone status for homes in Tooley Harbor?

Tooley Harbor's proximity to the Pasquotank River and Albemarle Sound means flood zone designation is an important consideration — the FloodRisk tile on this page provides the current FEMA designation for this specific address.

Is there an HOA in Tooley Harbor?

Tooley Harbor does have a homeowners association; buyers should request the current HOA documents during due diligence to review covenants, restrictions, and any community rules that apply to the St. Simmons section.

What are the nearest restaurants to this address?

Hangar 7 is the closest at just 0.4 miles, followed by Big Daddy's Pizza at 0.9 miles — both are local staples that residents of Tooley Harbor rely on regularly.

When was this home built, and does new construction come with a warranty?

This home was built in 2025, making it brand-new construction; new builds in North Carolina typically come with builder warranties covering structural components, systems, and workmanship, though buyers should confirm specific warranty terms with the builder during the purchase process.

Tom and Dariya Milan at LPT Realty know this corner of northeastern North Carolina well — reach out to get your questions answered and schedule a walkthrough of this Tooley Harbor address.

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

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

Elizabeth City$380K – $520K5+ beds

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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

Looking up FEMA flood zone…

Hurricane Evacuation Zone

Not in a designated hurricane evacuation zone.

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

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

$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

Judge value on real ground

Price context — similar nearby homes

$407,990$467,946

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.

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
103 Pecan CT · 0.2 mi · 2,511 sqft$407,990 sold 2026-03

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 · answer their own phone

✓ Your inquiry goes to Tom & Dariya — never sold to strangers

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

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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.