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SuffolkSPENCER'S WATCHMm “The Belmont” @ Spencer’S Watch✓ Source: REIN MLS #10645459 · record updated Aug 2, 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
$712,000
$239 / sqft · est. $4,656/mo →
5beds
3baths
2,975sqft
11days on market

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

ActiveResidential · built 2026 · SPENCER'S WATCH

About this home

The listing, in the seller's words

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

VaHome team overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · LPT Realty

At a glance

The Belmont at Spencer's Watch is a 2,975-square-foot, five-bedroom new construction home in Suffolk, Virginia, delivering generous space, modern finishes, and quick access to two major military installations — all in a community built from the ground up in 2026.

Read the full overview ↓

Why this home stands out

With five bedrooms and three full baths spread across nearly 3,000 square feet, The Belmont floor plan gives every household member room to breathe. Built in 2026, every system and surface is brand new — no deferred maintenance, no renovation surprises. Spencer's Watch is a purpose-built community, meaning the streets, landscaping, and neighbors are all arriving together, giving early buyers a rare chance to shape the feel of the block from day one.

SPENCER'S WATCH and the Suffolk real estate market

Spencer's Watch sits in the western reaches of Suffolk, Virginia — one of the largest cities by land area on the entire East Coast. Suffolk blends a genuine small-city downtown with wide-open residential corridors that still feel unhurried, and Spencer's Watch fits squarely into that character. If you've been searching for new construction homes in Suffolk VA, this community represents one of the freshest opportunities in the market: a ground-up neighborhood where infrastructure, green space, and home designs are all coordinated rather than pieced together over decades. Suffolk itself sits at the crossroads of Hampton Roads, giving residents easy reach to Norfolk, Chesapeake, and the Virginia Beach oceanfront without the density of those urban cores. The city's Western Branch corridor — where Spencer's Watch is located — has seen consistent residential investment, and the surrounding area carries a quiet, suburban confidence that appeals to families planting long-term roots.

What's nearby

Day-to-day errands are straightforward from Spencer's Watch. The Harbour View corridor along Route 17 puts grocery stores, pharmacies, and a wide range of dining within a short drive north. Harbour View Park offers waterfront green space and walking trails just minutes away. For coffee runs, several cafés and drive-throughs cluster near the Harbour View retail strip. Chesapeake's Greenbrier district — a major regional shopping destination — is reachable in roughly 15 minutes heading east. Downtown Suffolk's historic Main Street, with its local restaurants and seasonal events, is about 20 minutes southwest, giving the neighborhood a genuine connection to the city's civic core.

For different buyers

For military families relocating

NSA Northwest Annex is 17 minutes away and Joint Staff J7 Suffolk is 18 minutes out, making The Belmont one of the more commute-friendly options for active-duty households assigned to either installation. A VA loan pairs naturally with a new construction purchase like this — no seller concessions needed to cover inspection surprises, and you're locking in a home where every component starts its warranty clock at closing.

For families upgrading

Five bedrooms in a 2,975-square-foot layout means you're not just gaining square footage — you're gaining flexibility. A dedicated guest room, a home office, and still enough bedrooms for the kids? That's the math The Belmont makes possible. New homes in Suffolk VA at this size are genuinely hard to find in established neighborhoods, and Spencer's Watch delivers the space without asking you to compromise on condition or location.

More buyer questions

How far is The Belmont at Spencer's Watch from NSA Northwest Annex?

The drive from Spencer's Watch to NSA Northwest Annex runs approximately 17 minutes under normal traffic conditions. The route is primarily along well-maintained local roads with minimal congestion outside of peak hours.

What is the square footage and layout of The Belmont floor plan?

The Belmont offers 2,975 square feet of finished living space configured across five bedrooms and three full bathrooms. The layout is designed to balance communal gathering areas with private retreats for each household member.

Is Spencer's Watch an HOA community?

Spencer's Watch is a planned community, and HOA governance is typical for new construction neighborhoods of this type in Suffolk. Prospective buyers should request the current HOA documents to review covenants, conditions, and any association structure before closing.

What year was The Belmont at Spencer's Watch built?

The Belmont carries a 2026 build year, meaning buyers are purchasing a home where every mechanical system, appliance, and structural component is new and covered under builder and manufacturer warranties.

Are there flood zone considerations for this address?

Flood zone designation for any specific parcel in Suffolk is determined by current FEMA mapping and should be confirmed through an official flood determination at the time of purchase. Your lender will order this as a standard step in the closing process.

Ready to walk The Belmont in person? Tom and Dariya Milan know Spencer's Watch and can get you inside — reach out to schedule your visit today.

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

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.

Facts & features

The record, sourced

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

Flood & environment

FEMA flood zone X · outside the high-risk area · FIRM 510156

Flood Risk

Looking up FEMA flood zone…

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 community in North Suffolk, set in a quiet pocket near Bennett's Creek off Bennetts Pasture Road and a short drive from the Harbour View shopping and dining corridor along Route 17.

$561K

Median sale · 12 mo

$226

Sold $/sq ft

74d

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

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

$459,800$649,045

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
2231 Patrick DR · 1 mi · 2,619 sqft$589,900 sold 2026-07
2229 Patrick DR · 1 mi · 3,351 sqft$649,045 sold 2026-03

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

Real questions, answered from the record

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 6/10). 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

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.