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Suffolk › SPENCER'S WATCH › Mm “The Coco” @ Spencer’S Watch✓ Source: REIN MLS #10645453 · record updated Jul 24, 2026 · synced every 2 min · your inquiry is never resold
MM “The Coco” @ Spencer’s Watch NONE, SUFFOLK VA 23435 - Main photo
MM “The Coco” @ Spencer’s Watch NONE, SUFFOLK VA 23435 - Photo 2
MM “The Coco” @ Spencer’s Watch NONE, SUFFOLK VA 23435 - Photo 3
MM “The Coco” @ Spencer’s Watch NONE, SUFFOLK VA 23435 - Photo 4
MM “The Coco” @ Spencer’s Watch NONE, SUFFOLK VA 23435 - Photo 5
$746,500
$221 / sqft · est. $4,876/mo →
5beds
3baths
3,374sqft
0days on market

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

New ListingResidential · 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 "Coco" floor plan features 5 bedrooms with that much desired bedroom & full bath down…great for guest or in-laws, this open floor plan includes a spacious dining room, chef's kitchen w/ large island, eat-in-kitchen space, steel appliances, granite countertops & custom cabinets w/soft close drawers, family room w/gas fireplace, huge "primary suite" & sitting room both with vaulted ceilings, WIC & luxurious spa style bath, large mudroom, 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 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 #10645453

Schools

Info provided by GreatSchools

Facts & features

The record, sourced

Type

Residential

Year built

2026

Price / sqft

$221

HOA fee

$125/mo

Taxes

$7,913/yr

County

Suffolk VA

Waterfront

Yes

MLS #

10645453

Interior

Bedrooms
5
Full baths
3
Approx. sqft
3,374
Stories
2
Flooring
Carpet, Laminate/LVP
First-floor bed & full bath
Yes
Total rooms
10
Other rooms
1st Floor BR, Attic, Breakfast Area, 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
Waterfront
Not Waterfront

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…

Explore this neighborhood

River Club

River Club is a newer single-family home community in the North Suffolk area, set near Route 664 and the shops and restaurants around Harbour View.

$675K

Median sale · 12 mo

$234

Sold $/sq ft

44d

Days on market

19

For sale now

$139K

HH income

82.8%

Owner-occupied

REIN MLS closed sales, trailing 12 mo · U.S. Census ACS 2024 5-year

Explore River Club →
Map of River Club with neighborhood boundaryNeighborhood

Suffolk real estate →

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

$4,876/mo

Principal & interest

$3,873

Property tax

$659

Home insurance

$218

PMI

None

HOA

$125

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

$650,000 – $760,000

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.

119 Beacon RN · 0 mi · 3,196 sqft$650,000 sold 2026-04
162 Long Cove DR · 0.3 mi · 3,351 sqft$716,270 sold 2026-06
158 Long Cove DR · 0.2 mi · 3,333 sqft$715,000 sold 2026-05

Sale & Tax History

List Price

$746,500

Price / Sq Ft

$221

Annual Taxes

$7,913

Monthly Tax

$659

HOA fee

$125 / mo

Tax Rate (effective)

1.06%

Sale Timeline (this listing)

EventDatePriceDetail
ListedJul 24, 2026$746,500—
Currently listed—$746,500—

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

0 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 Coco” @ Spencer’S Watch in a good school zone?+
The assigned zones on the listing record are Florence Bowser Elementary, John Yeates Middle (GreatSchools 8/10), Nansemond River (GreatSchools 5/10). School attendance zones can change — always confirm enrollment with the local school division.
Is Mm “The Coco” @ 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 Coco” @ 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 Coco” @ 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 #10645453

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 Coco” @ Spencer’S Watch, Suffolk — photo

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

Call or text (757) 777-7577

Mm “The Coco” @ Spencer’S Watch, Suffolk, Virginia 23435 · MLS #10645453 · 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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