Mm "the Belmont" Spencers Watch, Suffolk, VA, 23435
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 “Belmont” floor plan features 5 bedrooms with that much needed bedroom & full bath down…great for guest or in-laws, this open floor plan includes a spacious dining room, kitchen with large island, stainless steel appliances, granite countertops & custom cabinets w/soft close drawers, family room w/gas fireplace, beautifully sized “primary suite” with vaulted ceiling, WIC & soothing spa style bath, large mudroom organization, 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 side load garage & an outdoor “oasis” of community amenities; just to name a few! HURRY…these homes in much desired Suffolk won’t last!!!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
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,Gas Range,Tankless Water Heater,Gas Water Heater
- Laundry features: Dryer Hookup,Washer Hookup
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
Features
- Bar,Primary Sink-Double,Walk-In Closet(s),Ceiling Fan(s),Entrance Foyer,Pantry
- Flooring: Carpet,Laminate/LVP
- Number of fireplaces: 1
- Fireplace features: Fireplace Gas-natural
- Fireplace: Yes
Heating & Cooling
- Heating features: Natural Gas,Programmable Thermostat,Zoned
- Cooling features: Central Air,Zoned
Interior Area
- Total interior livable area: 2,975 sqft
Property
Details
- Zoning: RES
- Special condition: Owner Agent
Features
- Stories: 2
- Pool features: None
- Patio & porch: Porch
- Fencing: None
- Waterfront features: Not Waterfront
Parking
- Total spaces: 2
- Parking features: Garage Att 2 Car,Driveway,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- 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
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters Across Virginia Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,600 | $43,200 |
| Home Insurance * | $260 | $3,120 |
| Property Taxes | $516 | $6,192 |
| Electricity | $286 | $3,438 |
| Total | $4,662 | $55,944 |
Income You'd Need if You Spent...
Virginia FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
No price history available
New Construction
View on Zillow