3304 Thomas St, Norfolk, VA 23513 Property Records

Norfolk City property record for 3304 Thomas St, Norfolk, VA 23513

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,161 sqft · built 2015
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$249,950 (Dec 2015)
Tax Bill	$5,355 (2026)
Deeds & Mortgages	Sep 2022 Refinance Apr 2020 Mortgage + 1 more
APN	`50000346`

Property Details

APN / Parcel Number

Primary APN	`50000346`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,161 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,001 sqft (0.115 acres)
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3304 THOMAS ST
City	NORFOLK
State	VA
Zip	23513-2229
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT B, BLK 12, ELMHURST 2
Legal Subdivision	ELMHURST SD
Legal Block	12
Legal Lot Number	B
Jurisdiction	NORFOLK CITY VA
Township / Civil Division	NORFOLK
Census Block Group	3
Census Block	3002
Census Tract	5902

Owner

3304 Thomas St is owned and occupied by two individuals who bought it in December 2015.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	3304 THOMAS ST, NORFOLK, VA 23513-2229
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC
Apr 21, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jun 1, 2017	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2015 · Amount on File
Deed Sale	Dec 9, 2015 · Amount on File
Deed Document Number	201527476
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORFOLK CITY VA
Property Address	3304 THOMAS ST, NORFOLK, VA 23513-2229
Transaction Type	Mortgage
Record Updated	Sep 28, 2022
Title Company	SOLIDIFI TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220021728
Date	Sep 6, 2022
Instrument	220021728

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.13%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORFOLK CITY VA
Property Address	3304 THOMAS ST, NORFOLK, VA 23513-2229
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200009182
Date	Apr 21, 2020
Instrument	200009182

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Feb 1, 2050

Interest

Rate Type	Fixed Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORFOLK CITY VA
Property Address	3304 THOMAS ST, NORFOLK, VA 23513-2229
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170012162
Date	Jun 1, 2017
Instrument	170012162

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 3304 Thomas St was $5,355, up 2.6% 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	$5,355.00 (+2.59%)	$428,400 (+0.94%) Land $60,000 Building $368,400	$428,400 (+0.94%) Land $60,000 Building $368,400
2025	$5,220.00	$424,400 Land $56,000 Building $368,400	$424,400 Land $56,000 Building $368,400
2023	$4,493.00	$359,500 Land $56,000 Building $303,500	$359,500 Land $56,000 Building $303,500

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 3304 Thomas St; there have been 1 flood claim nearby since 1998.

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	2 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · 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

Wildfire risk around 3304 Thomas St 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 99.1% of the US · lower than 99.6% 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 406 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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