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SuffolkSPENCER'S WATCHMm “The Coco” @ Spencer’S Watch✓ Source: REIN MLS #10645453 · record updated Aug 2, 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
11days on market

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

ActiveResidential · built 2026 · SPENCER'S WATCH

Facts & features

Type

Residential

Year built

2026

Price / sqft

$221

HOA fee

$125/mo

Taxes

$7,913/yr

County

Suffolk VA

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

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 "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

VaHome team overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · LPT Realty

At a glance

The Coco at Spencer's Watch is a five-bedroom, three-bath new-construction home in Suffolk, Virginia, delivering 3,374 square feet of thoughtfully designed living space with a 2026 build date — a rare chance to own brand-new construction in one of Western Hampton Roads' fastest-growing corridors.

Read the full overview ↓

Why this home stands out

New construction in Suffolk at this scale — five bedrooms, three full baths, and 3,374 square feet — is genuinely hard to find. The Coco floor plan at Spencer's Watch is built for the way families actually live: room to spread out, room to host, and room to grow. You're getting a 2026-built home with modern systems, modern finishes, and none of the deferred-maintenance surprises that come with older resale inventory.

SPENCER'S WATCH and the Suffolk real estate market

Spencer's Watch is a developing community in Suffolk, Virginia — a city that has quietly become one of the most compelling places to put down roots in all of Hampton Roads. Suffolk is the largest city by land area in Virginia, and that scale means real breathing room: wider lots, quieter streets, and a pace of life that feels genuinely unhurried without sacrificing access to the rest of the region. The western side of the city, where Spencer's Watch sits, has seen steady growth as families discover that Suffolk homes for sale offer the kind of space and value that's increasingly rare closer to the coast. Downtown Suffolk is a short drive away, where you'll find local restaurants, the Constant's Wharf area along the Nansemond River, and a small-city character that larger metros simply can't replicate. Chesapeake and the broader Hampton Roads metro are easily reachable, keeping you connected without pulling you into the thick of it.

What's nearby

Daily life runs smoothly from Spencer's Watch. Grocery options, pharmacies, and everyday retail along Bridge Road and Harbour View Boulevard are within a short drive, and the Harbour View corridor — with its mix of dining, shopping, and services — is one of the more convenient commercial hubs on this side of the city. For outdoor time, the Nansemond River Greenway and nearby parks give families easy access to trails and open space. Families comparing homes for sale in 23435 will appreciate that this zip code sits in a pocket of Suffolk that balances suburban calm with practical access to Chesapeake, Portsmouth, and the broader metro.

For different buyers

For military families relocating

NSA Northwest Annex is roughly 17 minutes away, and Joint Staff J7 Suffolk is about 18 — making The Coco a genuinely practical choice for service members stationed on the western side of Hampton Roads. Five bedrooms handles deployments, visiting family, and home-office needs all at once. VA loan eligibility pairs well with new construction, and Suffolk's growth trajectory makes this a strong long-term position.

For families upgrading

If your current home has you stacking kids into rooms or running out of space every holiday season, 3,374 square feet across five bedrooms changes the math entirely. The Coco is built for a family that has outgrown its last place and wants room to stay put for years. Families comparing homes for sale zoned for Nansemond River High School and homes for sale zoned for Driver Elementary School will find Spencer's Watch lands squarely in that attendance zone.

More buyer questions

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

NSA Northwest Annex is approximately 17 minutes from Spencer's Watch under typical traffic conditions. Joint Staff J7 Suffolk is similarly close at around 18 minutes, making this address one of the more convenient options in the area for personnel assigned to either installation.

What is the Spencer's Watch community like in Suffolk?

Spencer's Watch is a newer residential development on the western side of Suffolk, a city known for its generous lot sizes, lower density, and a quieter suburban feel compared to the more congested coastal cities in Hampton Roads. The surrounding area is growing steadily, with retail and dining options expanding along nearby corridors.

Is The Coco floor plan part of a larger builder community?

Yes — The Coco is a named floor plan offered within the Spencer's Watch development, which means you're buying into a planned community with consistent build quality and modern construction standards throughout the neighborhood.

Does the Spencer's Watch community have an HOA?

Spencer's Watch does have a homeowners association. For current HOA structure details, your agent can pull the governing documents directly from the builder or community management.

What flood zone does this address fall in?

Flood zone information for this address is displayed in the FloodRisk tile on this page. Given that Suffolk includes both low-lying and elevated terrain, it's worth reviewing that data and discussing flood insurance implications with your agent before closing.

Tom and Dariya Milan know the Suffolk new-construction market well — reach out to get a walkthrough of The Coco at Spencer's Watch and a straight answer on what homes for sale in Suffolk are doing right now.

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

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

Suffolk$630K – $860K5+ beds

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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

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 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

$4,751/mo

Principal & interest

$3,873

Property tax

$659

Home insurance

$218

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

$557,500$759,900

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.

5152 N Harbor RD · 0.5 mi · 3,778 sqft$575,000 sold 2026-06
339 Rhapsody DR · 1.1 mi · 3,368 sqft$759,900 sold 2026-05
162 Long Cove DR · 1.1 mi · 3,351 sqft$716,270 sold 2026-06

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

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 Coco” @ 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 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.