Norfolk City property record for 445 Pepper Mill Ln, Norfolk, VA 23502
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,665 sqft · built 1956 |
| Lot Size | 0.23 acres (10,023 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $246,000 (Jul 2020) |
| Tax Bill | $4,111 (2026) |
| Deeds & Mortgages | Aug 2019 Mortgage Jul 2020 Sale & Mortgage + 1 more |
| APN | 28881600 |
| Primary APN | 28881600 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,665 sqft Living Area |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,023 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 445 PEPPER MILL LN |
|---|---|
| City | NORFOLK |
| State | VA |
| Zip | 23502-4437 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | LOT 32, BLK C, POPLAR HALL SEC 1 |
| Legal Subdivision | POPLAR HALLS SD |
| Legal Block | C |
| Legal Lot Number | 32 |
| Jurisdiction | NORFOLK CITY VA |
| Township / Civil Division | NORFOLK |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 7002 |
Source: Norfolk City records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 445 PEPPER MILL LN, NORFOLK, VA 23502-4437 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 19, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CHARTWAY FEDERAL CREDIT UNION |
| Jul 10, 2020 | Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPOR |
| Apr 15, 2020 | Warranty Deed, Transfer · Commercial Mortgage TOWNEBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 10, 2020 · Amount on Record |
| Deed Sale | Jul 10, 2020 · Amount on Record |
| Prior Sale | Apr 15, 2020 · Amount on Record |
| Deed Document Number | 202015536 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORFOLK CITY VA |
| Property Address | 445 PEPPER MILL LN, NORFOLK, VA 23502-4437 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Title Company | CARDINAL TITLE GROUP LLC, CARDINAL BAY TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0190015968 |
|---|---|
| Date | Aug 19, 2019 |
| Instrument | 190015968 |
| Name | CHARTWAY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NORFOLK CITY VA |
| Recording Date | Jul 10, 2020 |
| Property Address | 445 PEPPER MILL LN, NORFOLK, VA 23502-4437 |
| Document Number | 0200015536 |
| Instrument Date | Jul 6, 2020 |
| Instrument | 200015536 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | ROCK TITLE INC, ROCKET TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 445 PEPPER MILL LN, NORFOLK, VA 23502-4437 |
| Document Number | 0200015537 |
|---|---|
| Date | Jul 10, 2020 |
| Instrument | 200015537 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORPOR |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NORFOLK CITY VA |
| Recording Date | Apr 15, 2020 |
| Property Address | 445 PEPPER MILL LN, NORFOLK, VA 23502-4437 |
| Document Number | 0200008776 |
| Instrument Date | Apr 14, 2020 |
| Instrument | 200008776 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | UNKNOWN, TQHR LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3529 N CRESTLINE DR, VIRGINIA BEACH, VA 23464-1809 |
| Investor | Possibly a Property Investor |
| Document Number | 0200008777 |
|---|---|
| Date | Apr 15, 2020 |
| Instrument | 200008777 |
| Name | TOWNEBANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $4,111.00 (+3.24%) | $328,900 (+1.58%) Land $106,100 Building $222,800 | $328,900 (+1.58%) Land $106,100 Building $222,800 |
| 2025 | $3,982.00 (+15.09%) | $323,800 (+16.98%) Land $101,000 Building $222,800 | $323,800 (+16.98%) Land $101,000 Building $222,800 |
| 2023 | $3,460.00 | $276,800 Land $101,000 Building $175,800 | $276,800 Land $101,000 Building $175,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 97.5% 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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