3609 Pamlico Cir, Norfolk, VA 23513 Property Records

Norfolk City property record for 3609 Pamlico Cir, Norfolk, VA 23513

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,402 sqft · built 1943
Lot Size	0.165 acres (7,192 sqft)
Owner	Individual Name on File
Last Sale	$193,000 (Mar 2022)
Tax Bill	$2,533 (2026)
Deeds & Mortgages	Oct 2023 Second Mortgage Oct 2022 Mortgage + 2 more
APN	`23876500`

Property Details

APN / Parcel Number

Primary APN	`23876500`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,402 sqft Living Area
Attic	Attic
Attic Area	1,402 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1943
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,192 sqft (0.165 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	3609 PAMLICO CIR
City	NORFOLK
State	VA
Zip	23513-3551
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7
Legal Description	55 NORVIEW HTS SEC 2
Legal Subdivision	PART 2 NORVIEW HEIGHTS
Jurisdiction	NORFOLK CITY VA
Township / Civil Division	NORFOLK
Census Block Group	3
Census Block	3020
Census Tract	6000

Owner

3609 Pamlico Cir is owned and occupied by an individual who bought it in March 2022.

Source: Norfolk City records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	3609 PAMLICO CIR, NORFOLK, VA 23513-3551
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Oct 7, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Mar 21, 2022	Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2022 · Amount on File
Deed Sale	Mar 21, 2022 · Amount on File
Prior Sale	Jul 2, 2009 · Amount on File
Deed Document Number	20227229
Prior Transfer Date	Mar 30, 2009
Prior Transfer Doc	0000007226
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORFOLK CITY VA
Property Address	3609 PAMLICO CIR, NORFOLK, VA 23513-3551
Transaction Type	Mortgage
Record Updated	Oct 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230017516
Date	Oct 5, 2023
Instrument	230017516

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	480 Months
Due	Oct 1, 2063

Interest

Rate Type	Fixed Rate

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORFOLK CITY VA
Property Address	3609 PAMLICO CIR, NORFOLK, VA 23513-3551
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220024199
Date	Oct 7, 2022
Instrument	220024199

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Oct 1, 2062

Interest

Rate Type	Fixed Rate

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NORFOLK CITY VA
Recording Date	Mar 21, 2022
Property Address	3609 PAMLICO CIR, NORFOLK, VA 23513-3551
Document Number	0220007229
Instrument Date	Mar 11, 2022
Instrument	220007229
Transaction Type	Transfer
Record Updated	Apr 13, 2022
Title Company	ROCK TITLE INC, ROCKET TITLE INC

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	3609 PAMLICO CIR, NORFOLK, VA 23513-3551

Mortgage

Document Number	0220007230
Date	Mar 21, 2022
Instrument	220007230

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORFOLK CITY VA
Property Address	3609 PAMLICO CIR, NORFOLK, VA 23513-3551
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PROPERTY TITLE AND ESCROW LLC, PRIORITY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200009107
Date	Apr 20, 2020
Instrument	200009107

Lender

Name	BROKER SOLUTIONS INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 3609 Pamlico Cir was $2,533, up 3.6% 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	$2,533.00 (+3.64%)	$202,700 (+2.01%) Land $87,500 Building $115,200	$202,700 (+2.01%) Land $87,500 Building $115,200
2025	$2,444.00	$198,700 Land $83,500 Building $115,200	$198,700 Land $83,500 Building $115,200
2023	$2,345.00	$187,600 Land $83,500 Building $104,100	$187,600 Land $83,500 Building $104,100

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 3609 Pamlico Cir; there have been 11 flood claims 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
Flood Insurance Cost	Premium on File median of 29 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	11 (1998–2018)
Claims Outside the SFHA	6 of 11
Most Recent Claim	Jul 2018 · rainfall accumulation
Claims by Event	Severe Storms And Flooding Associated With Tropical Depression Ida And A Nor'east, Nov 2009 · 3 claims Hurricane Isabel, Sep 2003 · 2 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 3609 Pamlico Cir 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 97% of the US · lower than 98.4% 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 641 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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