3445 W Bonner Dr, Norfolk, VA 23513 Property Records

Norfolk City property record for 3445 W Bonner Dr, Norfolk, VA 23513

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,325 sqft · built 1941
Lot Size	0.292 acres (12,724 sqft)
Owner	Individual Name on File
Last Sale	$199,900 (Dec 2021)
Tax Bill	$3,037 (2026)
Deeds & Mortgages	Jan 2023 Second Mortgage Dec 2021 Sale & Mortgage
APN	`10892700`

Property Details

APN / Parcel Number

Primary APN	`10892700`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,325 sqft Living Area
Attic	Attic
Attic Area	1,229 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,724 sqft (0.292 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3445 W BONNER DR
City	NORFOLK
State	VA
Zip	23513-4250
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7
Legal Description	22 ESTABROOK PK SEC 1
Legal Subdivision	ESTABROOK PARK
Jurisdiction	NORFOLK CITY VA
Township / Civil Division	NORFOLK
Census Block Group	2
Census Block	2000
Census Tract	6100

Owner

3445 W Bonner Dr is owned and occupied by an individual who bought it in December 2021.

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	Individual Name on File
Mailing Address	3445 W BONNER DR, NORFOLK, VA 23513-4250
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Dec 7, 2021	Warranty Deed, Transfer · FHA Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2021 · Amount on File
Deed Sale	Dec 7, 2021 · Amount on File
Deed Document Number	202137576
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORFOLK CITY VA
Property Address	3445 W BONNER DR, NORFOLK, VA 23513-4250
Transaction Type	Mortgage
Record Updated	Feb 1, 2023
Title Company	COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230000702
Date	Jan 17, 2023
Instrument	230000702

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	348 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NORFOLK CITY VA
Recording Date	Dec 7, 2021
Property Address	3445 W BONNER DR, NORFOLK, VA 23513-4250
Document Number	0210037576
Instrument Date	Nov 18, 2021
Instrument	210037576
Transaction Type	Transfer
Record Updated	Dec 29, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	3445 W BONNER DR, NORFOLK, VA 23513-4250

Mortgage

Document Number	0210037577
Date	Dec 7, 2021
Instrument	210037577

Lender

Name	BANK OF AMERICA NA

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 3445 W Bonner Dr was $3,037, up 4.2% 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	$3,037.00 (+4.19%)	$243,000 (+2.53%) Land $122,000 Building $121,000	$243,000 (+2.53%) Land $122,000 Building $121,000
2025	$2,915.00	$237,000 Land $116,000 Building $121,000	$237,000 Land $116,000 Building $121,000
2023	$2,622.00	$209,800 Land $116,000 Building $93,800	$209,800 Land $116,000 Building $93,800

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 3445 W Bonner Dr; there have been 7 flood claims nearby since 2003.

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 File median of 45 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	45 in force
Nearby Flood Claims	7 (2003–2024)
Most Recent Claim	Jan 2024 · other causes
Claims by Event	Hurricane Irene, Aug 2011 · 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

Wildfire risk around 3445 W Bonner Dr 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	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 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 659 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fixed Wireless	100 / 20

May also be available: Cox Communications, Verizon.

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