105 Bell St, Suffolk, VA 23434 Property Records

Suffolk City property record for 105 Bell St, Suffolk, VA 23434

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,600 sqft · built 2020
Lot Size	0.092 acres (4,008 sqft)
Owner	2 Individual Names on File
Last Sale	$20,000 (Jan 2021)
Tax Bill	$3,397 (2025)
Deeds & Mortgages	Mar 2023 Second Mortgage Jan 2021 Sale & Mortgage + 1 more
APN	`35A*10`

Property Details

APN / Parcel Number

Primary APN	`35A*10`
Alternative APN	`051078000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,600 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,008 sqft (0.092 acres)

Location & Zoning

Account Number	051078000
Street Address	105 BELL ST
City	SUFFOLK
State	VA
Zip	23434-2603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES LOW-ME
Legal Description	BELL LANE, CROCKER+WHITE LOTS
Jurisdiction	SUFFOLK CITY VA
Township / Civil Division	SUFFOLK
Census Block Group	3
Census Block	3008
Census Tract	75504

Owner

105 Bell St is owned and occupied by two individuals who bought it in January 2021.

Source: Suffolk City records, as of October 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	105 BELL ST, SUFFOLK, VA 23434-2603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF VETERANS AFFAIRS
Jan 5, 2021	Warranty Deed, Transfer · VA Mortgage OVM FINANCIAL INC
Dec 5, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2021 · Amount on File
Deed Sale	Jan 5, 2021 · Amount on File
Prior Sale	Dec 5, 2019 · Amount on File
Deed Document Number	2021107
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK CITY VA
Property Address	105 BELL ST, SUFFOLK, VA 23434-2603
Transaction Type	Mortgage
Record Updated	Mar 15, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230002009
Date	Mar 2, 2023
Instrument	230002009

Lender

Name	SECRETARY OF VETERANS AFFAIRS

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	453 Months
Due	Dec 1, 2060

Interest

Rate Type	Fixed Rate

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Jan 5, 2021
Property Address	105 BELL ST, SUFFOLK, VA 23434-2603
Document Number	210000107
Instrument Date	Nov 23, 2020
Instrument	210000107
Transaction Type	Transfer
Record Updated	Oct 19, 2021
Title Company	SUN TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 BELL ST, SUFFOLK, VA 23434-2603

Mortgage

Document Number	210000108
Date	Jan 5, 2021
Instrument	210000108

Lender

Name	OVM FINANCIAL INC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	62 Months
Due	Mar 15, 2026

Interest

Rate Type	Fixed Rate

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Dec 5, 2019
Property Address	105 BELL ST, SUFFOLK, VA 23434-2603
Document Number	190013841
Instrument Date	Dec 5, 2019
Instrument	190013841
Transaction Type	Transfer
Record Updated	Oct 19, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5528 FROG POND LN, VIRGINIA BEACH, VA 23455-6767

Tax Assessment & Valuation

The 2025 property tax bill for 105 Bell St was $3,397, up 9.3% from the year before.

Source: Suffolk City assessment roll, as of December 26, 2025

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Suffolk City
Unified School District	Suffolk City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026			$275,500 (+8.51%) Land $37,600 Building $237,900
2025	$3,397.00 (+9.26%)	$275,500 (+8.51%) Land $37,600 Building $237,900	$253,900 Land $37,600 Building $216,300
2024	$3,109.00 (+16.79%)	$253,900 (+3.93%) Land $37,600 Building $216,300
2023	$2,662.00	$244,300 Land $35,800 Building $208,500	$244,300 Land $35,800 Building $208,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 105 Bell St; 8 flood insurance policies are in force nearby.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	8 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 105 Bell St is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF SUFFOLK serves 69,822 people · EPA ID VA3800805
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 171 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T, Glo Fiber, Verizon.

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