1320 Harmott Ave, Norfolk, VA 23509 Property Records

Norfolk City property record for 1320 Harmott Ave, Norfolk, VA 23509

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,933 sqft · built 1928
Lot Size	0.833 acres (36,294 sqft)
Owner	2 Individual Names on Record
Tax Bill	$12,807 (2026)
Deeds & Mortgages	Nov 2021 Mortgage
APN	`39012010`

Property Details

APN / Parcel Number

Primary APN	`39012010`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,933 sqft Living Area
Attic	Attic
Attic Area	1,706 sqft
Interior Walls	Wallboard/Drywall
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	36,294 sqft (0.833 acres)
Garage Type	Attached
Garage Area	563 sqft
Parking Spaces	2 Parking Spaces
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1320 HARMOTT AVE
City	NORFOLK
State	VA
Zip	23509-1415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LOTS 22, 23, 24 BLK 35 & LOT A-1 LAKEWOOD
Legal Subdivision	LAKEWOOD
Legal Block	35
Legal Lot Number	A-1
Jurisdiction	NORFOLK CITY VA
Township / Civil Division	NORFOLK
Census Block Group	1
Census Block	1001
Census Tract	2100

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	1320 HARMOTT AVE, NORFOLK, VA 23509-1415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORFOLK CITY VA
Property Address	1320 HARMOTT AVE, NORFOLK, VA 23509-1415
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210035371
Date	Nov 15, 2021
Instrument	210035371

Lender

Name	LANGLEY FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2031
Change Frequency	5 Years

Tax Assessment & Valuation

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	$12,807.00 (+7.07%)	$1,024,600 (+5.36%) Land $446,500 Building $578,100	$1,024,600 (+5.36%) Land $446,500 Building $578,100
2025	$11,961.00 (+8.24%)	$972,500 (+10.01%) Land $413,700 Building $558,800	$972,500 (+10.01%) Land $413,700 Building $558,800
2023	$11,050.00	$884,000 Land $413,700 Building $470,300	$884,000 Land $413,700 Building $470,300

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 163 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	163 in force
Nearby Flood Claims	46 (1994–2022)
Claims Outside the SFHA	17 of 46
Most Recent Claim	Jan 2022 · tidal / storm surge
Claims by Event	Severe Storms And Flooding Associated With Tropical Depression Ida And A Nor'east, Nov 2009 · 10 claims Hurricane Isabel, Sep 2003 · 8 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 4 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 96% of the US · lower than 98% 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 175 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20