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9605 12th Bay St, Norfolk, VA, 23518

4beds
3baths
2,300sqft
$719,800
$313price/sqft
$4,992/moest. monthly cost
$199,680/yrincome needed

About This Home

One-of-a-kind custom coastal house never before built in Ocean View! Upon arrival you will be amazed by the Hardiplank and Brick exterior! The house features 4 bedrooms, 2.5 bathrooms, game room, accent wall and lots of space! Check out the huge deck on the main level, an extension to the large integrated kitchen, living room and dining room. On the third floor you can enjoy another very large deck, directly accessible through two of the bedrooms. The decks are designed for the owner's privacy. Sit down and relax, enjoy the coastal lifestyle with outdoor ceiling fans and the luxury of living one block from the Chesapeake Bay. This house is perfect for family gathering and to entertain friends who come to enjoy a good day at the beach. Come live in the heart of East Ocean View, close to restaurants, marinas, public pier and kayak launch. You are going to love living in The View!

Getting Around

57
WalkingSomewhat Walkable
35
TransitSome Transit
41
BikeSomewhat Bikeable

Schools

2/10
3/10
Azalea Middle SchoolGrades 6-81.5 mi
2/10
Lake Taylor High SchoolGrades 9-124.2 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Asphalt Shingle
  • Construction materials: Brick,Fiber Cement

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemp
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Electric Range,Electric Water Heater
  • Laundry features: Dryer Hookup,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Primary Sink-Double,Walk-In Closet(s),Ceiling Fan(s),Pantry
  • Flooring: Carpet,Ceramic Tile,Laminate/LVP
  • Attic: Pull Down Stairs
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Heat Pump,Programmable Thermostat,Zoned
  • Cooling features: Central Air,Heat Pump,Zoned

Interior Area

  • Total interior livable area: 2,300 sqft

Property

Details

  • Parcel number: 28861701
  • Zoning: R-C
  • Other equipment: Generator Hookup

Features

  • Levels: Two
  • Stories: 3
  • Pool features: None
  • Patio & porch: Deck,Porch
  • Exterior features: Balcony
  • Fencing: None
  • Waterfront features: Not Waterfront

Parking

  • Total spaces: 1
  • Parking features: Garage Att 1 Car,3 Space,Driveway,On Street,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
Tsunami

FEMA Declared Disasters Across Virginia Counties

Flood
Severe Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,639$43,668
Home Insurance *$395$4,740
Property Taxes $737$8,844
Electricity $221$2,658
Total$4,992$59,904
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$171,154/yr
40% on housing$149,760/yr
45% on housing$133,120/yr

Virginia FAIR Plan Programs

Virginia Property Insurance Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 22,622Commercial: 503
Total Premiums$20.86M
Total Exposure$4.29B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.0%
6.0%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 2.4%
2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$313This listing

vs Other Active Listings

Avg $/sqft

ZIP 23518$200
Norfolk City$181

vs Homes Sold Last Month

Median $/sqft

ZIP 23518$212
Norfolk City$200

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

No price history available

New Construction

AgentJeff Woodard
BrokerageBHHS RW Towne Realty

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