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SuffolkSPENCER'S WATCHMm “The James” @ Spencer’S Watch✓ Source: REIN MLS #10645476 · record updated Aug 2, 2026 · synced every 2 min · your inquiry is never resold
MM “The James” @ Spencer’s Watch NONE, SUFFOLK VA 23435 - Main photo
MM “The James” @ Spencer’s Watch NONE, SUFFOLK VA 23435 - Photo 2
MM “The James” @ Spencer’s Watch NONE, SUFFOLK VA 23435 - Photo 3
MM “The James” @ Spencer’s Watch NONE, SUFFOLK VA 23435 - Photo 4
MM “The James” @ Spencer’s Watch NONE, SUFFOLK VA 23435 - Photo 5
$665,000
$268 / sqft · est. $4,357/mo →
5beds
3baths
2,483sqft
11days on market

Mm “The James” @ 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 "James" floor plan features a spacious family room w/gas fireplace & Kenwood style mantel, an open kitchen showcasing stainless steel appliances, granite countertops & custom cabinets w/soft close drawers & crown molding detail, large "primary suite" features vaulted ceiling & spacious bath, mudroom organization, sodded front yard, custom landscaping package, full brick veneer exterior skirt, James Hardie exterior facade & 30 year architectural shingles; 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 #10645476

VaHome team overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · LPT Realty

At a glance

A brand-new 2026 construction home at MM 'The James' @ Spencer's Watch in Suffolk, Virginia — five bedrooms, three baths, and 2,483 square feet of thoughtfully designed space, all within eight minutes of NSA Northwest Annex.

Read the full overview ↓

Why this home stands out

New construction means you're the first one through the door — no inherited quirks, no deferred maintenance, just a fresh 5-bedroom, 3-bath layout with 2,483 square feet built to current code and modern standards. The James floor plan at Spencer's Watch delivers generous room counts rarely found in this size range, making it a strong fit for households that need space to grow, spread out, or work from home without compromise.

SPENCER'S WATCH and the Suffolk real estate market

Spencer's Watch is a newer residential community in the northern reaches of Suffolk, Virginia — a city that has quietly become one of Hampton Roads' most compelling places to put down roots. Suffolk blends genuine small-city character with easy access to the broader metro: you're close enough to Norfolk, Chesapeake, and Portsmouth to tap into their amenities, yet far enough removed to enjoy lower density and a slower pace. The neighborhood itself sits near the Nansemond River corridor, giving the area a natural, open feel that newer subdivisions closer to the urban core simply can't replicate. Streets here are quiet, lots tend to be generous, and the overall atmosphere leans toward community rather than commuter-strip. For buyers who want a new build without sacrificing a sense of place, Spencer's Watch delivers both.

What's nearby

Daily life is easy to manage from this address. Bill Jessee Park and River Park Fishing Pier are each about 0.4 miles away — a short walk or a two-minute drive — so outdoor time requires almost no planning. When dinner calls, River Stone Chophouse is under a mile out and offers a proper sit-down meal without a long haul. Everyday errands are well-served by the Route 17 and Harbour View corridor just to the north, where you'll find grocery stores, pharmacies, and a solid mix of retail and casual dining all within a compact stretch.

For different buyers

For military families relocating

NSA Northwest Annex is eight minutes away, and NSA Hampton Roads is reachable in fourteen — making this address one of the more practical options in the region for active-duty households. A VA loan is a natural fit for a new-construction purchase like this, and five bedrooms means the floor plan can absorb a home office, a guest room, or a dedicated space for remote schooling without anyone feeling crowded.

For families upgrading

If your current home has you playing Tetris with bedrooms, the five-bedroom layout here changes the math entirely. At 2,483 square feet of new construction, there's room for a dedicated home office, a playroom, or a proper guest suite — and because it's a 2026 build, you're starting fresh with modern finishes, updated systems, and none of the repair backlog that comes with older inventory.

More buyer questions

How far is MM 'The James' @ Spencer's Watch from NSA Northwest Annex?

The drive is approximately 8 minutes under normal traffic conditions, making it one of the closer residential options to the base in this part of Suffolk.

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

The James floor plan offers 2,483 square feet with 5 bedrooms and 3 full baths — a configuration that works well for larger households, remote workers, or anyone who wants dedicated guest accommodations.

Is Spencer's Watch in Suffolk part of an HOA?

Spencer's Watch is a planned community, and an HOA is in place; specific fee details are best confirmed through the current community disclosures.

What parks or outdoor spaces are near this address?

Bill Jessee Park and River Park Fishing Pier are both approximately 0.4 miles from the property, offering quick access to green space and waterfront recreation along the Nansemond River area.

Are there flood zone considerations for this address in Suffolk?

Flood zone designation for this specific parcel is displayed in the FloodRisk tile on this page — it's worth reviewing before finalizing any purchase decision, particularly given the community's proximity to the Nansemond River corridor.

Want to walk through The James floor plan in person? Tom and Dariya Milan know Spencer's Watch well — reach out and they'll set it up.

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

$268

HOA fee

$125/mo

Taxes

$7,049/yr

County

Suffolk VA

MLS #

10645476

Interior

Bedrooms
5
Full baths
3
Approx. sqft
2,483
Stories
2
Flooring
Carpet, Laminate/LVP
First-floor bed & full bath
Yes
Total rooms
7
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
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 A

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

houses for sale in Suffolk

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

$4,232/mo

Principal & interest

$3,451

Property tax

$587

Home insurance

$194

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$597,604

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.

3025 Dalton CIR · 0.9 mi · 2,511 sqft$597,604 sold 2026-03
1125 Erin DR · 1 mi · 2,511 sqft$575,990 sold 2026-07
3032 Dalton CIR · 1 mi · 2,618 sqft$539,990 sold 2026-03

Sale & Tax History

List Price

$665,000

Price / Sq Ft

$268

Annual Taxes

$7,049

Monthly Tax

$587

HOA fee

$125 / mo

Tax Rate (effective)

1.06%

Sale Timeline (this listing)

EventDatePriceDetail
ListedJul 24, 2026$665,000
Currently listed$665,000

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 James” @ 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 James” @ 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 James” @ 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 James” @ 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 #10645476

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 James” @ Spencer’S Watch, Suffolk — photo

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

Call or text (757) 777-7577

Mm “The James” @ Spencer’S Watch, Suffolk, Virginia 23435 · MLS #10645476 · 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.