2905 Harbor Rd, Suffolk, VA 23435 Property Records

Suffolk City property record for 2905 Harbor Rd, Suffolk, VA 23435

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,288 sqft · built 1965
Lot Size	0.79 acres (34,412 sqft)
Owner	2 Individual Names on Record
Last Sale	$510,000 (Jul 2026)
Tax Bill	$5,075 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Apr 2021 Sale & Mortgage
APN	`11B*45`

Property Details

APN / Parcel Number

Primary APN	`11B*45`
Alternative APN	`303606100`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,288 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Brick Veneer
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	34,412 sqft (0.79 acres)
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Other

Location & Zoning

Account Number	303606100
Street Address	2905 HARBOR RD
City	SUFFOLK
State	VA
Zip	23435-1416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	L 45,BENNETTS HARBOR
Legal Subdivision	BENNETTS HARBOR SD
Jurisdiction	SUFFOLK CITY VA
Township / Civil Division	SUFFOLK
Census Block Group	2
Census Block	2008
Census Tract	75207

Owner

Source: Suffolk City records, as of July 30, 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	2905 HARBOR RD, SUFFOLK, VA 23435-1416
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage TOWNE MORTGAGE COMPANY
Apr 21, 2021	Warranty Deed, Transfer · Conventional Mortgage TIDEWATER MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2026 · Amount on Record
Deed Sale	Jul 20, 2026 · Amount on Record
Prior Sale	Apr 21, 2021 · Amount on Record
Deed Document Number	20269024
Record Updated	Oct 29, 2026

July 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Jul 20, 2026
Property Address	2905 HARBOR RD, SUFFOLK, VA 23435-1416
Document Number	0000009024
Instrument Date	Jul 8, 2026
Instrument	20269024
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$51,510.00
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	2905 HARBOR RD, SUFFOLK, VA 23435-1416

Mortgage

Document Number	0000009025,
Date	Jul 20, 2026
Instrument	20269025

Lender

Name	TOWNE MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK CITY VA
Recording Date	Apr 21, 2021
Property Address	2905 HARBOR RD, SUFFOLK, VA 23435-1416
Document Number	210006862
Instrument Date	Apr 20, 2021
Instrument	210006862
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	TITLE ALLIANCE LIMITED, TITLE ALLIANCE MIDLOTHIAN

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	2905 HARBOR RD, SUFFOLK, VA 23435-1416

Mortgage

Document Number	210006863
Date	Apr 21, 2021
Instrument	210006863

Lender

Name	TIDEWATER MORTGAGE SERVICES INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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			$432,300 (+2.17%) Land $77,300 Building $355,000
2025	$5,075.00 (+3.15%)	$432,300 (+2.17%) Land $77,300 Building $355,000	$423,100 (+3.45%) Land $77,300 Building $345,800
2024	$4,920.00 (+10.36%)	$423,100 (+3.45%) Land $77,300 Building $345,800
2023	$4,458.00	$409,000 Land $77,300 Building $331,700	$409,000 Land $77,300 Building $331,700

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 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2013 · rainfall accumulation

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 95% of the US · lower than 97.5% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile.

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