110 E Bay Ave, Norfolk, VA 23503 Property Records

Norfolk City property record for 110 E Bay Ave, Norfolk, VA 23503

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 997 sqft · built 1918
Lot Size	0.172 acres (7,488 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (May 2026)
Tax Bill	$2,676 (2025)
Deeds & Mortgages	Jan 2022 Second Mortgage Jan 2008 Mortgage + 5 more
APN	`41004000`

Property Details

APN / Parcel Number

Primary APN	`41004000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	997 sqft Living Area
Attic	Attic
Attic Area	929 sqft
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,488 sqft (0.172 acres)

Exterior Amenities

Porch	Porch
Porch Area	78 sqft
Deck Area	Deck Area
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	110 E BAY AVE
City	NORFOLK
State	VA
Zip	23503-4424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	44,45 & 46 BLK J OV ANNEX CO INC
Legal Subdivision	OCEAN VIEW ANNEX
Legal Block	J
Jurisdiction	NORFOLK CITY VA
Township / Civil Division	NORFOLK
Census Block Group	2
Census Block	2016
Census Tract	600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	110 E BAY AVE, NORFOLK, VA 23503-4424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Jan 3, 2008	Deed of Trust, Mortgage · FHA Mortgage INTERNATIONAL MORTGAGE CORP
Apr 15, 2005	Deed of Trust, Mortgage · ARM EQUIFIRST CORP
Jun 22, 2006	Deed of Trust, Mortgage · ARM WILMINGTION FINANCE INC
Jan 9, 2015	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
May 19, 2026	Bargain and Sale Deed, Transfer · FHA Mortgage ATLANTIC COAST MORTGAGE GROUP INC
Sep 19, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2026 · Amount on Record
Deed Sale	May 19, 2026 · Amount on Record
Prior Sale	Sep 19, 2023 · Amount on Record
Deed Document Number	20269548
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORFOLK CITY VA
Property Address	110 E BAY AVE, NORFOLK, VA 23503-4424
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220001489
Date	Jan 19, 2022
Instrument	220001489

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

January 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORFOLK CITY VA
Property Address	110 E BAY AVE, NORFOLK, VA 23503-4424
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080000201
Date	Jan 3, 2008
Instrument	080000201

Lender

Name	INTERNATIONAL MORTGAGE CORP
Type	Lending Institution
Address	MILLERSVILLE, MD 21108

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2037

April 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORFOLK CITY VA
Property Address	110 E BAY AVE, NORFOLK, VA 23503-4424
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050015283
Date	Apr 15, 2005
Instrument	050015283

Lender

Name	EQUIFIRST CORP
Type	Subprime Lender
Address	CHARLOTTE, NC 28273

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Apr 20, 2035
Prepayment Penalty	00 Months

Interest

Rate Type	Adjustable Rate
Rate	7.15%
Type Change Date	Apr 20, 2007
Change Frequency	6 Months
Min Rate At Change	7.15%
Max Rate At Change	10.1%
Index	6-Month LIBOR
Max Rate	13.1%

June 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORFOLK CITY VA
Property Address	110 E BAY AVE, NORFOLK, VA 23503-4424
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060026225
Date	Jun 22, 2006
Instrument	060026225

Lender

Name	WILMINGTION FINANCE INC
Type	Non-Lending Institution
Address	PLYMOUTH MEETING, PA 19462

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	7.59%
Type Change Date	Jul 1, 2008
Change Frequency	6 Months
Min Rate At Change	7.59%
Max Rate At Change	9.59%
Index	6-Month LIBOR
Max Rate	13.5%

January 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORFOLK CITY VA
Property Address	110 E BAY AVE, NORFOLK, VA 23503-4424
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0150000499
Date	Jan 9, 2015
Instrument	150000499

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jun 1, 2044

Interest

Rate Type	Fixed Rate

May 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	NORFOLK CITY VA
Recording Date	May 19, 2026
Property Address	110 E BAY AVE, NORFOLK, VA 23503-4424
Document Number	0000009548
Instrument Date	May 13, 2026
Instrument	20269548
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$30,805.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 E BAY AVE, NORFOLK, VA 23503-4424

Mortgage

Document Number	0000009549,
Date	May 19, 2026
Instrument	20269549

Lender

Name	ATLANTIC COAST MORTGAGE GROUP INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NORFOLK CITY VA
Recording Date	Sep 19, 2023
Property Address	110 E BAY AVE, NORFOLK, VA 23503-4424
Document Number	0230016525
Instrument Date	Aug 23, 2023
Instrument	230016525
Transaction Type	Transfer
Record Updated	Oct 4, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
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	919 WEYANOKE ST, NORFOLK, VA 23507-1029

Tax Assessment & Valuation

Source: Norfolk City assessment roll, as of September 25, 2025

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
2025	$2,676.00 (+0.26%)	$217,600 (-10.01%) Land $136,500 Building $81,100	$217,600 (-10.01%) Land $136,500 Building $81,100
2023	$2,669.00	$241,800 Land $136,500 Building $105,300	$241,800 Land $136,500 Building $105,300

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

Flood

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 Record 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

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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