2425 Cottage Ave, Norfolk, VA 23504 Property Records

Norfolk City property record for 2425 Cottage Ave, Norfolk, VA 23504

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,015 sqft · built 1955
Lot Size	0.114 acres (4,979 sqft)
Owner	Individual Name on File
Last Sale	$93,000 (May 2017)
Tax Bill	$3,019 (2025)
Deeds & Mortgages	Apr 2018 Line of Credit May 2017 Sale & Mortgage
APN	`48479900`

Property Details

APN / Parcel Number

Primary APN	`48479900`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,015 sqft Total Area
Interior Walls	Plaster

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Duplex Single
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,979 sqft (0.114 acres)
Porch	Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2425 COTTAGE AVE
City	NORFOLK
State	VA
Zip	23504-2110
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R8
Legal Description	5 & 6 BLK 10
Legal Subdivision	COTTAGE HEIGHTS
Legal Block	10
Jurisdiction	NORFOLK CITY VA
Township / Civil Division	NORFOLK
Census Block Group	1
Census Block	1013
Census Tract	3400

Owner

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

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

Owner of Record	Individual Name on File
Mailing Address	908 PORTLAND ST, CHESAPEAKE, VA 23324-3561
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2018	Deed of Trust, Mortgage · Line of Credit 3RD PARTY INDIVIDUAL
May 4, 2017	Special Warranty Deed, Transfer ROCK HARBOR GROUP LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 4, 2017 · Amount on Record
Deed Sale	May 4, 2017 · Amount on Record
Prior Sale	May 4, 2016 · Amount on Record
Deed Document Number	20179750
Record Updated	Sep 20, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORFOLK CITY VA
Property Address	2425 COTTAGE AVE, NORFOLK, VA 23504-2110
Transaction Type	Mortgage
Record Updated	Apr 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	180006737
Date	Apr 5, 2018
Instrument	180006737

Lender

Name	3RD PARTY INDIVIDUAL
Type	Private Party

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

Interest

Rate Type	Fixed Rate
Rate	13%

May 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	NORFOLK CITY VA
Recording Date	May 4, 2017
Property Address	2425 COTTAGE AVE, NORFOLK, VA 23504-2110
Document Number	170009750
Instrument Date	Apr 27, 2017
Instrument	170009750
Transaction Type	Transfer
Record Updated	Sep 10, 2021
Title Company	TITLE ALLIANCE GREENBRIER LLC, TITLE ALLIANCE GREENBRIER

Transaction

Amount	Amount Recorded
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	3022 VIRGINIA BEACH BLVD, VIRGINIA BEACH, VA 23452-6904

Mortgage

Document Number	170009751
Date	May 4, 2017
Instrument	170009751

Lender

Name	ROCK HARBOR GROUP LLC

Agreement

Amount	Amount Recorded

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	$3,019.00 (+5.08%)	$245,500 (+6.79%) Land $71,000 Building $174,500	$245,500 (+6.79%) Land $71,000 Building $174,500
2023	$2,873.00	$229,900 Land $64,500 Building $165,400	$229,900 Land $64,500 Building $165,400

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	5 (2003–2016)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Oct 2016 · Hurricane Matthew
Claims by Event	Hurricane Matthew, Oct 2016 · 3 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	Not rated no burnable land within ember reach

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 549 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	1,000 / 75

May also be available: AT&T.

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