109 E Bay Ave, Norfolk, VA 23503 Property Records

Norfolk City property record for 109 E Bay Ave, Norfolk, VA 23503

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,936 sqft · built 1928
Lot Size	0.167 acres (7,253 sqft)
Owner	2 Individual Names on File
Last Sale	$305,000 (Aug 2020)
Tax Bill	$4,623 (2026)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
APN	`18001205`

Property Details

APN / Parcel Number

Primary APN	`18001205`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,936 sqft Living Area
Attic	Attic
Attic Area	1,797 sqft
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,253 sqft (0.167 acres)
Garage Type	Detached
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	73 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	109 E BAY AVE
City	NORFOLK
State	VA
Zip	23503-4423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	5,6 BLK M O V ANNEX CO
Legal Subdivision	OCEAN VIEW ANNEX CO
Legal Block	M
Jurisdiction	NORFOLK CITY VA
Township / Civil Division	NORFOLK
Census Block Group	2
Census Block	2021
Census Tract	600

Owner

109 E Bay Ave is owned and occupied by two individuals who bought it in August 2020.

Source: Norfolk City records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	109 E BAY AVE, NORFOLK, VA 23503-4423
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2020 · Amount on File
Deed Sale	Aug 24, 2020 · Amount on File
Prior Sale	Mar 28, 2016 · Amount on File
Deed Document Number	202019756
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NORFOLK CITY VA
Recording Date	Aug 24, 2020
Property Address	109 E BAY AVE, NORFOLK, VA 23503-4423
Document Number	200019756
Instrument Date	Aug 20, 2020
Instrument	200019756
Transaction Type	Transfer
Record Updated	Sep 10, 2021
Title Company	LANDMARK TITLE, LANDMARK TITLE LLC

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	109 E BAY AVE, NORFOLK, VA 23503-4423

Mortgage

Document Number	200019757
Date	Aug 24, 2020
Instrument	200019757

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 109 E Bay Ave was $4,623, up 4.7% from the year before.

Source: Norfolk City assessment roll, as of October 13, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,623.00 (+4.69%)	$369,900 (+3.01%) Land $120,000 Building $249,900	$369,900 (+3.01%) Land $120,000 Building $249,900
2025	$4,416.00	$359,100 Land $109,200 Building $249,900	$359,100 Land $109,200 Building $249,900
2023	$3,908.00	$312,700 Land $109,200 Building $203,500	$312,700 Land $109,200 Building $203,500

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 109 E Bay Ave; there have been 4 flood claims nearby since 1999.

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

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 17 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	4 (1999–2009)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Nov 2009 · Severe Storms And Flooding Associated With Tropical Depression Ida And A Nor'east
Claims by Event	Severe Storms And Flooding Associated With Tropical Depression Ida And A Nor'east, Nov 2009 · 2 claims

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 109 E Bay Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 98.4% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 NORFOLK serves 234,220 people · EPA ID VA3710100
Water Source	Surface water
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 668 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Cox Communications.

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