Skip to main content
VaHome.com
Suffolk › SPENCER'S WATCH › Mm “The Belmont” @ Spencer’S Watch✓ Source: REIN MLS #10645459 · record updated Aug 1, 2026 · synced every 2 min · your inquiry is never resold
MM “The Belmont” @ Spencer’s Watch NONE, SUFFOLK VA 23435 - Main photo
MM “The Belmont” @ Spencer’s Watch NONE, SUFFOLK VA 23435 - Photo 2
MM “The Belmont” @ Spencer’s Watch NONE, SUFFOLK VA 23435 - Photo 3
MM “The Belmont” @ Spencer’s Watch NONE, SUFFOLK VA 23435 - Photo 4
MM “The Belmont” @ Spencer’s Watch NONE, SUFFOLK VA 23435 - Photo 5
5beds
3baths
2,975sqft
11days on market

Mm “The Belmont” @ Spencer’S Watch, Suffolk, VA 23435

ActiveResidential · built 2026 · SPENCER'S WATCH

Facts & features

Type

Residential

Year built

2026

Price / sqft

$239

HOA fee

$125/mo

Taxes

$7,547/yr

County

Suffolk VA

MLS #

10645459

Interior

Bedrooms
5
Full baths
3
Approx. sqft
2,975
Stories
2
Flooring
Carpet, Laminate/LVP
First-floor bed & full bath
Yes
Total rooms
8
Other rooms
1st Floor BR, Attic, Fin. Rm Over Gar, Foyer, PBR with Bath, Pantry, Porch
Appliances
Dishwasher, Disposal, 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
Exterior
Brick,Fiber Cement
Pool
No Pool

Utilities & systems

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

Lot, parking & ownership

Subdivision
SPENCER'S WATCH
Zoning
RES
Ownership
Fee Simple
Garage
Yes
Parking
Garage Att 2 Car, Driveway Spc
Possession
SETTLE
Disclosures
Common Interest Community, Exempt from Disclosure/Disclaimer, Owner Agent

See more Suffolk new construction homes.

Sources: REIN MLS record · null fields are suppressed, never faked

About this home

The wait is over "Spencer's Watch" in Northern Suffolk is now; selling!! This community situated off of the Nansemond River & near Harbour View is perfect for those looking for a more "RELAXED" style of living!! Our 2-story "Belmont" floor plan features 5 bedrooms with that much needed bedroom & full bath down…great for guest or in-laws, this open floor plan includes a spacious dining room, kitchen with large island, stainless steel appliances, granite countertops & custom cabinets w/soft close drawers, family room w/gas fireplace, beautifully sized "primary suite" with vaulted ceiling, WIC & soothing spa style bath, large mudroom organization, sodded front yard, custom landscaping package, full brick veneer exterior skirt, James Hardie exterior facade, 5" white aluminum gutters, 30 year architectural shingles, 2-car side load garage & an outdoor "oasis" of community amenities; just to name a few! HURRY…these homes in much desired Suffolk won't last!!!

Listing courtesy of Judy Duke · Wainwright Real Estate · REIN MLS #10645459

Tom & Dariya's overview

Our read on this home

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

At a glance

The Belmont at Spencer's Watch is a new five-bedroom, three-bath home in Suffolk built in 2026. With nearly 3,000 square feet and a modern floor plan, it offers plenty of room for daily living. Located in 23435, this residence puts you about 18 minutes from Joint Staff J7 Suffolk.

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

New construction means everything is current and under warranty. The five-bedroom layout gives you flexibility for a home office, guest room, or hobby space. Three full baths reduce morning conflicts. Nearly 3,000 square feet spreads across a thoughtful design that doesn't waste a single room. Spencer's Watch is a community built for people who want modern finishes without renovation headaches.

SPENCER'S WATCH and the Suffolk real estate market

Spencer's Watch sits in a growing part of Suffolk where new homes and established neighborhoods blend together. The community attracts people building their next chapter—whether that's a bigger house or a fresh start. Suffolk itself is a mid-sized city with real character. You'll find quiet residential streets alongside convenient shopping, dining, and services. The city balances small-town feel with urban access. If you're comparing homes for sale in Suffolk, note that 23435 offers good schools and reasonable commutes. Naval Medical Center Portsmouth is about 22 minutes away, making this zip code practical for people working across the region. Daily life is easy here—you're never far from what you need, and you've got breathing room too.

What's nearby

Spencer's Watch puts you close to everyday essentials. Grocery stores, pharmacies, and casual dining are within a short drive. Parks and recreation areas give you outdoor options for weekends. Downtown Suffolk has restaurants and shops worth exploring. The commute to Naval Medical Center Portsmouth runs about 22 minutes depending on traffic. Schools serving the area are accessible, and the neighborhood itself feels safe and well-maintained.

For different buyers

Base commute and VA loan notes

About 18 minutes to Joint Staff J7 Suffolk and 22 minutes to Naval Medical Center Portsmouth. New construction qualifies for VA loan financing with no surprises—no inspections needed, no repairs to negotiate. You can focus on settling in, not renovation projects.

Room to grow

Five bedrooms give you a master suite, guest room, home office, and space for kids or hobbies. Three baths mean less morning traffic. Nearly 3,000 square feet lets you spread out without wasted hallways. A new build means modern layout and storage throughout.

More buyer questions

How far is The Belmont from Joint Staff J7 Suffolk?

About 18 minutes by car, depending on traffic and your exact route.

What zones apply to homes for sale in 23435?

The 23435 zip code includes homes for sale zoned for Nansemond River High School and homes for sale zoned for Driver Elementary School, among others in the area.

Is this a new home?

Yes, The Belmont was built in 2026, so everything is current and under builder warranty.

How many bedrooms and bathrooms does this home have?

Five bedrooms and three full bathrooms across nearly 3,000 square feet.

Can I use a VA loan to buy a new home in Suffolk?

Yes, new construction in Suffolk typically qualifies for VA loan financing, and you can work with your lender to confirm details for this property.

Ready to tour The Belmont? Contact Tom & Dariya Milan to schedule a showing and explore this new home in Spencer's Watch today.

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

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

Suffolk$605K – $820K5+ 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.

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 (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 510156

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

21.5 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

Evacuation Zone C

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

Explore this neighborhood

Bennett's Pasture

Bennett's Pasture is a newer neighborhood in North Suffolk. It sits in a quiet pocket near Bennett's Creek, off Bennetts Pasture Road. The Harbour View shops and dining along Route 17 are a short drive away.

$563K

Median sale · 12 mo

$228

Sold $/sq ft

70d

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

Suffolk homes for sale →

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

$4,531/mo

Principal & interest

$3,694

Property tax

$629

Home insurance

$208

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 – $619,900

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.

1121 Driver Pointe CT · 1.2 mi · 3,079 sqft$595,000 sold 2026-05
3002 Beech Grove LN · 1.3 mi · 2,776 sqft$500,000 sold 2026-07
3109 Driver Station WAY · 1.1 mi · 2,643 sqft$459,800 sold 2026-03

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

Sale & Tax History

List Price

$712,000

Price / Sq Ft

$239

Annual Taxes

$7,547

Monthly Tax

$629

HOA fee

$125 / mo

Tax Rate (effective)

1.06%

Sale Timeline (this listing)

EventDatePriceDetail
ListedJul 24, 2026$712,000—
Currently listed—$712,000—

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

11 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 “The Belmont” @ Spencer’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 5.5/10). School attendance zones can change — always confirm enrollment with the local school division.
Is Mm “The Belmont” @ Spencer’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 “The Belmont” @ Spencer’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 None.
When was Mm “The Belmont” @ Spencer’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 Judy Duke · Wainwright Real Estate · REIN MLS #10645459

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 “The Belmont” @ Spencer’S Watch, Suffolk — photo

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

Call or text (757) 777-7577

Mm “The Belmont” @ Spencer’S Watch, Suffolk, Virginia 23435 · MLS #10645459 · 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.

✆