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9611 14th Bay St #A, Norfolk, VA, 23518

5beds
3baths
2,397sqft
$669,900
$279price/sqft
$4,492/moest. monthly cost
$179,680/yrincome needed

About This Home

New Construction just one block from the Chesapeake Bay beach and minutes to Naval Station Norfolk and Little Creek. City-Approved Golf Cart Community. This 5-bedroom, 3-bath home offers a prime location with an open-concept floor plan ideal for entertaining and everyday beach living. The kitchen features quartz countertops, a spacious island, and stainless steel appliances including a gas stove, microwave, dishwasher, all open to the family room with a gas fireplace. A butler's pantry with additional cabinetry connects the kitchen and dining room. The primary suite includes a double-bowl vanity, tiled shower with custom glass enclosure, with walk-in closet. Three additional bedrooms and an upstairs laundry room with cabinets add convenience. Enjoy three front decks, a two-car garage with opener, generator plug, and storage under the home. Estimated completion end of April. No Fee Condo. Ask about Closing Cost Assistance.

Getting Around

61
WalkingSomewhat Walkable
35
TransitSome Transit
42
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

  • Year built: 2026

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Garbage disposal,Microwave,Range / Oven

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Tile,Carpet,Laminate
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Heat pump,Gas
  • Cooling features: Central

Interior Area

  • Total interior livable area: 2,397 sqft

Property

Features

  • Exterior features: Vinyl

Parking

  • Parking features: Garage - Attached,On-street

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 $3,387$40,644
Home Insurance *$367$4,404
Property Taxes $508$6,096
Electricity $230$2,770
Total$4,492$53,904
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$154,011/yr
40% on housing$134,760/yr
45% on housing$119,786/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

$279This listing

vs Other Active Listings

Avg $/sqft

ZIP 23518$201
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)

No zestimate history available

Price History

DateEventPrice
2026-06-16Listed for sale$669,900

For Sale by Owner

AgentProperty Owner

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