486 Stuart Cir, Norfolk, VA 23502 Property Records

Norfolk City property record for 486 Stuart Cir, Norfolk, VA 23502

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,063 sqft · built 1985
Lot Size	0.118 acres (5,131 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Aug 2022)
Tax Bill	$3,148 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
APN	`05195524`

Property Details

APN / Parcel Number

Primary APN	`05195524`

Interior

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

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,131 sqft (0.118 acres)
Garage Type	Attached
Garage Area	290 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	96 sqft
Deck Area	Deck Area
Patio Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	486 STUART CIR
City	NORFOLK
State	VA
Zip	23502-4457
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	5 WAVERLY
Legal Subdivision	WAVERLY SUBDIVISION
Jurisdiction	NORFOLK CITY VA
Township / Civil Division	NORFOLK
Census Block Group	2
Census Block	2009
Census Tract	7002

Owner

Source: Norfolk City records · APN 05195524

Assessment roll updated September 25, 2025 · Last verified May 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 File
Mailing Address	486 STUART CIR, NORFOLK, VA 23502-4457
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 15, 2022 · Amount on Record
Deed Sale	Aug 15, 2022 · Amount on Record
Deed Document Number	202220107
Record Updated	Jun 08, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NORFOLK CITY VA
Recording Date	Aug 15, 2022
Property Address	486 STUART CIR, NORFOLK, VA 23502-4457
Document Number	0220020107
Instrument Date	Aug 11, 2022
Instrument	220020107
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	486 SMART CIR, NORFOLK, VA 23502

Mortgage

Document Number	0220020108
Date	Aug 15, 2022
Instrument	220020108

Lender

Name	CARDINAL FINANCIAL COMPANY LP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 01, 2052

Interest

Rate Type	Fixed Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 01, 2032

Tax Assessment & Valuation

Source: Norfolk City records · Assessment roll updated September 25, 2025 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Norfolk City
Unified School District	Norfolk City Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,148.00 (+7.15%)	$256,000 (+8.89%) Land $32,000 Building $224,000	$256,000 (+8.89%) Land $32,000 Building $224,000
2023	$2,938.00	$235,100 Land $29,000 Building $206,100	$235,100 Land $29,000 Building $206,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	Hurricane Irene, Aug 2011 · 7 claims Severe Storms And Flooding Associated With Tropical Depression Ida And A Nor'east, Nov 2009 · 6 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 7 claims

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Metronet Holdings 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 USA.

Based on FCC filings for 238 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF NORFOLK serves 234,220 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.