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Elizabeth City › TOOLEY HARBOR › Mm (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
$449,900
$190 / sqft · est. $2,834/mo →
5beds
3baths
2,364sqft
189days on market

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

ActiveResidential · built 2025 · TOOLEY HARBOR

About this home

The listing, in the seller's words

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

VaHome team overview

Our read on this home

At a glance

A brand-new 2025 construction home in Tooley Harbor, Elizabeth City, North Carolina — five bedrooms, three baths, and 2,364 square feet of fresh, modern living space on the Pasquotank River waterfront community, ready for its very first owners.

Read the full overview ↓

Why this home stands out

Built in 2025, this five-bedroom home hasn't been lived in before, which means everything from the mechanicals to the finishes is at day one. That's a rare starting point in a market where most homes carry decades of wear. Tooley Harbor sits along the water in Pasquotank County, giving you the feel of a retreat community without sacrificing the square footage a larger household genuinely needs.

TOOLEY HARBOR and the Elizabeth City real estate market

Tooley Harbor is a quiet waterfront community tucked along the Pasquotank River on the outskirts of Elizabeth City, North Carolina. The neighborhood draws people who want space, water access, and a slower pace — without completely stepping away from everyday conveniences. Elizabeth City itself is a small but characterful coastal city in northeastern North Carolina, often called the 'Harbor of Hospitality' for the way its downtown waterfront welcomes boaters and visitors alike. The city sits at the edge of the Albemarle Sound region, surrounded by rivers, canals, and open farmland that give the whole area a distinctly unhurried feel. Pasquotank County is the governing jurisdiction here, and the county's rural character is part of what makes Tooley Harbor feel like a genuine escape. For anyone searching for new construction Elizabeth City NC, this address represents one of the freshest options in the area right now.

What's nearby

Day-to-day errands are closer than you might expect for a waterfront community this quiet. A Dollar General sits just 0.6 miles away — useful for quick household runs without a long drive into town. If you're affiliated with the Coast Guard, the USCG MWR Gym is only 0.7 miles out, making it genuinely easy to keep a fitness routine going. For a fuller grocery run or a sit-down meal, Elizabeth City's downtown and its surrounding commercial corridors are a short drive, putting restaurants, pharmacies, and specialty shops within comfortable reach.

For different buyers

For military families relocating

The nearest installation is USCG Finance Center Chesapeake, roughly 67 minutes away — a longer commute, but one many Coast Guard families consider worthwhile for the quality of life Tooley Harbor delivers. The USCG MWR Gym just 0.7 miles away means on-base fitness perks are practically at your doorstep, and five bedrooms gives a growing military family real room to spread out.

For families upgrading

Five bedrooms and three full baths in a 2025-built home means you're not inheriting someone else's layout decisions — everything is fresh, and there's genuine space for a home office, a guest room, and still have bedrooms left over. Tooley Harbor's waterfront setting adds the kind of lifestyle upgrade that square footage alone can't buy.

More buyer questions

How far is Tooley Harbor from USCG Finance Center Chesapeake?

The drive from Tooley Harbor to USCG Finance Center Chesapeake is approximately 67 minutes under normal traffic conditions. Commuters typically head north through the Chesapeake, Virginia corridor via US-17 or NC-34.

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

Tooley Harbor's position along the Pasquotank River means flood zone designation is an important consideration — check the dedicated FloodRisk tile on this page for the specific FEMA zone assigned to this address.

Is there an HOA in Tooley Harbor?

Tooley Harbor does have a homeowners association; confirm current dues and governing documents with your agent before closing.

What year was this home built?

This home was built in 2025, making it brand-new construction — the first occupants will be its original owners.

Where is the nearest grocery store to Tooley Harbor?

A Dollar General is located approximately 0.6 miles from the neighborhood, and a broader selection of grocery options is available in Elizabeth City proper, a short drive away.

Want to walk through a home that no one has lived in yet? Tom and Dariya Milan at LPT Realty know this corner of Elizabeth City well — reach out and let's set up a visit.

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

Schools

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

Info provided by GreatSchools

Facts & features

The record, sourced

Type

Residential

Year built

2025

Price / sqft

$190

HOA fee

$35/mo

Taxes

$4,000/yr

County

Elizabeth City NC

Waterfront

Yes

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
Waterfront
Not Waterfront

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

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

$2,834/mo

Principal & interest

$2,334

Property tax

$333

Home insurance

$131

PMI

None

HOA

$35

Estimate only. 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

Why we show no algorithmic estimate.

National AVMs misprice homes whose value drivers they can't see. Instead: the sourced assessment above, the carrying cost, real price history, and honest comparables below.

Price context — similar nearby homes

$407,990 – $522,695

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.

103 Pecan CT · 0.2 mi · 2,511 sqft$407,990 sold 2026-03
102 Staysail DR · 0.5 mi · 2,415 sqft$522,695 sold 2026-03
105 Center Cross DR · 0.4 mi · 2,238 sqft$420,000 sold 2026-07

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

189 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

Real questions, answered from the record

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

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

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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