Norfolk City property record for 421 Saddle Rock Rd, Norfolk, VA 23502
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,905 sqft · built 1958 |
| Lot Size | 0.197 acres (8,564 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (Mar 2021) |
| Tax Bill | $4,107 (2026) |
| Deeds & Mortgages | Apr 2026 Transfer Mar 2021 Sale & Mortgage + 1 more |
| APN | 49428299 |
| Primary APN | 49428299 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,905 sqft Living Area |
| Interior Walls | Plaster |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,564 sqft (0.197 acres) |
| Garage Type | Attached |
| Garage Area | 269 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 421 SADDLE ROCK RD |
|---|---|
| City | NORFOLK |
| State | VA |
| Zip | 23502-4429 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | 27 BLK E POPLAR HALL SEC 2 |
| Legal Subdivision | POPLAR HALLS |
| Legal Block | E |
| Jurisdiction | NORFOLK CITY VA |
| Township / Civil Division | NORFOLK |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 7002 |
421 Saddle Rock Rd is owned and occupied by two individuals who acquired it in March 2026.
Source: Norfolk City records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 421 SADDLE ROCK RD, NORFOLK, VA 23502-4429 |
| 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.
| Date | Document |
|---|---|
| Apr 13, 2026 | Transfer on Death Deed, Transfer PRIORITY TITLE AND ESCROW, PRIORITY TITLE & ESCROW |
| Mar 8, 2021 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Mar 22, 2019 | Warranty Deed, Transfer · VA Mortgage TIDEWATER MORTGAGE SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 8, 2021 · Amount on File |
| Deed Sale | Mar 8, 2021 · Amount on File |
| Prior Sale | Mar 3, 2021 · Amount on File |
| Deed Document Number | 20216898 |
| Last Transfer Date | Mar 11, 2026 |
| Transfer Doc | 0000006832 |
| Record Updated | Oct 29, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | NORFOLK CITY VA |
| Recording Date | Apr 13, 2026 |
| Property Address | 421 SADDLE ROCK RD, NORFOLK, VA 23502-4429 |
| Document Number | 0000006832 |
| Instrument Date | Mar 11, 2026 |
| Instrument | 20266832 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | PRIORITY TITLE AND ESCROW, PRIORITY TITLE & ESCROW |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 421 SADDLE ROCK RD, NORFOLK, VA 23502-4429 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NORFOLK CITY VA |
| Recording Date | Mar 8, 2021 |
| Property Address | 421 SADDLE ROCK RD, NORFOLK, VA 23502-4429 |
| Document Number | 0210006898 |
| Instrument Date | Feb 3, 2021 |
| Instrument | 210006898 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | PRIORITY TITLE AND ESCROW, PRIORITY TITLE & ESCROW |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 421 SADDLE ROCK RD, NORFOLK, VA 23502-4429 |
| Document Number | 0210006899 |
|---|---|
| Date | Mar 8, 2021 |
| Instrument | 210006899 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NORFOLK CITY VA |
| Recording Date | Mar 22, 2019 |
| Property Address | 421 SADDLE ROCK RD, NORFOLK, VA 23502-4429 |
| Document Number | 0190004996 |
| Instrument Date | Mar 1, 2019 |
| Instrument | 190004996 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 421 SADDLE ROCK RD, NORFOLK, VA 23502-4429 |
| Document Number | 0190004998 |
|---|---|
| Date | Mar 22, 2019 |
| Instrument | 190004998 |
| Name | TIDEWATER MORTGAGE SERVICES INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 421 Saddle Rock Rd was $4,107, up 3% from the year before.
Source: Norfolk City assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Norfolk City |
| Unified School District | Norfolk City Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,107.00 (+2.98%) | $328,600 (+1.33%) Land $85,300 Building $243,300 | $328,600 (+1.33%) Land $85,300 Building $243,300 |
| 2025 | $3,988.00 | $324,300 Land $81,000 Building $243,300 | $324,300 Land $81,000 Building $243,300 |
| 2023 | $3,460.00 | $276,800 Land $81,000 Building $195,800 | $276,800 Land $81,000 Building $195,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 421 Saddle Rock Rd; there have been 50 flood claims nearby since 1980.
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 142 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 142 in force |
| Nearby Flood Claims | 50 (1980–2019) |
| Claims Outside the SFHA | 20 of 50 |
| Most Recent Claim | Sep 2019 · other causes |
| Claims by Event |
|
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 risk around 421 Saddle Rock Rd 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 96% of the US · lower than 98% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 206 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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