Norfolk City property record for 438 Stuart Cir, Norfolk, VA 23502
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,063 sqft · built 1986 |
| Lot Size | 0.33 acres (14,357 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,825 (2026) |
| Deeds & Mortgages | Jan 2018 Mortgage |
| APN | 05195599 |
| Primary APN | 05195599 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,063 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,357 sqft (0.33 acres) |
| Garage Type | Attached |
| Garage Area | 290 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | Deck Area |
| Patio Area | 360 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 438 STUART CIR |
|---|---|
| City | NORFOLK |
| State | VA |
| Zip | 23502-4457 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | 19 WAVERLY |
| Legal Subdivision | WAVERLY SD |
| Jurisdiction | NORFOLK CITY VA |
| Township / Civil Division | NORFOLK |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 7002 |
438 Stuart Cir is owned and occupied by an individual.
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 | 438 STUART CIR, NORFOLK, VA 23502-4457 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORFOLK CITY VA |
| Property Address | 438 STUART CIR, NORFOLK, VA 23502-4457 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0180001935 |
|---|---|
| Date | Jan 31, 2018 |
| Instrument | 180001935 |
| Name | SUNTRUST BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 24, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 438 Stuart Cir was $3,825, 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 | $3,825.00 (+2.99%) | $306,000 (+1.32%) Land $88,500 Building $217,500 | $306,000 (+1.32%) Land $88,500 Building $217,500 |
| 2025 | $3,714.00 | $302,000 Land $84,500 Building $217,500 | $302,000 Land $84,500 Building $217,500 |
| 2023 | $3,465.00 | $277,200 Land $77,000 Building $200,200 | $277,200 Land $77,000 Building $200,200 |
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 438 Stuart Cir; 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 438 Stuart 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 98% of the US · lower than 99% 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 238 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 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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