3709 Amherst St, Norfolk, VA 23513 Property Records

Norfolk City property record for 3709 Amherst St, Norfolk, VA 23513

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,890 sqft · built 1928
Lot Size	0.117 acres (5,075 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (May 2010)
Tax Bill	$3,808 (2026)
Deeds & Mortgages	Oct 2022 Line of Credit Jul 2020 Mortgage
APN	`14686500`

Property Details

APN / Parcel Number

Primary APN	`14686500`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,890 sqft Living Area
Attic	Attic
Attic Area	720 sqft
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,075 sqft (0.117 acres)
Porch	Porch
Porch Area	180 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	3709 AMHERST ST
City	NORFOLK
State	VA
Zip	23513-4036
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	15 & 16 BLK M ESTABROOK
Legal Subdivision	ESTABROOK
Legal Block	M
Jurisdiction	NORFOLK CITY VA
Township / Civil Division	NORFOLK
Census Block Group	2
Census Block	2000
Census Tract	6100

Owner

3709 Amherst St is owned and occupied by an individual who bought it in May 2010.

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

Owner of Record	Individual Name on File
Mailing Address	3709 AMHERST ST, NORFOLK, VA 23513-4036
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 20, 2022	Deed of Trust, Mortgage · Line of Credit BETHPAGE FEDERAL CREDIT UNION
Jul 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2010 · Amount on File
Deed Sale	May 12, 2010 · Amount on File
Deed Document Number	20109491
Prior Transfer Date	Feb 23, 2006
Prior Transfer Doc	0000013715
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORFOLK CITY VA
Property Address	3709 AMHERST ST, NORFOLK, VA 23513-4036
Transaction Type	Mortgage
Record Updated	Nov 9, 2022
Title Company	PRIORITY TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220025006
Date	Oct 20, 2022
Instrument	220025006

Lender

Name	BETHPAGE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 28, 2052

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORFOLK CITY VA
Property Address	3709 AMHERST ST, NORFOLK, VA 23513-4036
Transaction Type	Mortgage
Record Updated	Sep 6, 2022
Title Company	IDEAL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200016439
Date	Jul 21, 2020
Instrument	200016439

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC

Agreement

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

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 3709 Amherst St was $3,808, up 1.6% 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	$3,808.00 (+1.63%)	$304,700 (-) Land $60,000 Building $244,700	$304,700 (-) Land $60,000 Building $244,700
2025	$3,747.00	$304,700 Land $60,000 Building $244,700	$304,700 Land $60,000 Building $244,700
2023	$3,213.00	$257,100 Land $60,000 Building $197,100	$257,100 Land $60,000 Building $197,100

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 3709 Amherst St; 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 3709 Amherst 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	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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