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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

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

VaHome team overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · LPT Realty

At a glance

The Coco is a 3,374-square-foot, five-bedroom new-construction home in Spencer's Watch, Suffolk, Virginia — built in 2026 with three full baths, generous living space, and quick access to two military installations. Big square footage, modern finishes, and a brand-new build in one package.

Read the full overview ↓

Why this home stands out

What sets The Coco apart is sheer scale for a new build: 3,374 square feet, five bedrooms, and three full baths give you room to grow, host, or simply spread out without compromise. Built in 2026, every system and surface is factory-fresh. Spencer's Watch is a planned community, which means consistent streetscapes and neighbors who are all starting fresh together — there's a real sense of a neighborhood taking shape.

SPENCER'S WATCH and the Suffolk real estate market

Spencer's Watch sits in the northern reaches of Suffolk, Virginia — a city that has quietly become one of Hampton Roads' most compelling addresses for buyers seeking space without sacrificing convenience. Suffolk is the largest city by land area in Virginia, and that breathing room shows in its wider lots, calmer streets, and a pace that feels genuinely residential. If you've been searching for new construction homes in Suffolk VA, Spencer's Watch is one of the communities worth putting at the top of your list. The broader area blends suburban comfort with easy corridor access: Interstate 664 and Route 17 connect you westward toward Chesapeake and northward toward Portsmouth and Norfolk in under thirty minutes on most days. Downtown Suffolk offers a small but growing dining and retail scene, and the western edge of the metro keeps things from feeling congested. For families, commuters, and military households alike, this corner of Suffolk delivers a lot of practical upside.

What's nearby

Daily errands are straightforward from Spencer's Watch. A Walmart Supercenter and several grocery options sit within a short drive along Harbour View Boulevard, alongside pharmacies, urgent care clinics, and a solid lineup of casual dining. Harbour View is essentially Northern Suffolk's commercial spine — you'll find coffee, fast-casual spots, and big-box retail all clustered there. For outdoor time, Lone Star Lakes Park and the Nansemond River Greenway offer trails and water access without a long haul. Downtown Suffolk, with its farmers market and local restaurants, is about fifteen minutes south.

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 one of the more strategically located new builds in the region for military households. A VA loan pairs naturally with a 2026 new construction purchase, and five bedrooms means you have real flexibility for a home office, a guest room, or a growing family. Suffolk's lower cost of living stretches your BAH further than most Hampton Roads zip codes.

For families upgrading

Five bedrooms and 3,374 square feet mean you're not buying space you'll outgrow in three years — you're buying space you'll grow into. Built in 2026, The Coco comes with modern open-concept layouts, energy-efficient systems, and none of the deferred maintenance that comes with older homes. If you've been eyeing new homes in Suffolk VA and want a floor plan that actually fits a full household, The Coco is sized for real life.

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. The route runs primarily along Route 17 and Harbour View Boulevard, making it a straightforward daily commute.

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

The Coco offers 3,374 square feet of living space configured across five bedrooms and three full bathrooms. It's one of the larger floor plans in the Spencer's Watch community, designed to accommodate full households with room to spare.

Is Spencer's Watch an HOA community?

Spencer's Watch is a planned community and does carry an HOA, which helps maintain consistent standards across the neighborhood. Specific fee amounts are best confirmed directly with the builder or community management.

What year was The Coco built, and does it come with a builder warranty?

The Coco was built in 2026, making it a brand-new construction. New builds in Virginia typically include a builder's limited warranty covering structural components and mechanical systems — confirm exact warranty terms with the builder at time of purchase.

Are there flood zone concerns for homes in Spencer's Watch, Suffolk?

Flood zone status varies by specific lot within any community. The FloodRisk tile on this page reflects the current FEMA designation for this address — review that information and consult your insurance agent for a full picture before purchasing.

Tom and Dariya Milan at LPT Realty know Spencer's Watch and the broader Suffolk market well. Reach out to get a straight answer on availability, builder incentives, and next steps.

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

$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

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

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

$580,490$665,000

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.

2229 Patrick DR · 1 mi · 3,351 sqft$649,045 sold 2026-03
1121 Driver Pointe CT · 1.2 mi · 3,079 sqft$595,000 sold 2026-05
3041 Dalton CIR · 0.9 mi · 2,804 sqft$580,940 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

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 (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.