492 Stuart Cir, Norfolk, VA 23502 Property Records

Norfolk City property record for 492 Stuart Cir, Norfolk, VA 23502

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,415 sqft · built 1985
Lot Size	0.129 acres (5,637 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,447 (2026)
Deeds & Mortgages	Sep 2022 Refinance Nov 2023 Refinance
APN	`05195521`

Property Details

APN / Parcel Number

Primary APN	`05195521`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,415 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,637 sqft (0.129 acres)
Garage Type	Attached
Garage Area	290 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	88 sqft
Patio Area	129 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	492 STUART CIR
City	NORFOLK
State	VA
Zip	23502-4457
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	4 WAVERLY
Legal Subdivision	AMENDED PLAT OF 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, 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	492 STUART CIR, NORFOLK, VA 23502-4457
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Nov 8, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORFOLK CITY VA
Property Address	492 STUART CIR, NORFOLK, VA 23502-4457
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220023391
Date	Sep 27, 2022
Instrument	220023391

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.63%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORFOLK CITY VA
Property Address	492 STUART CIR, NORFOLK, VA 23502-4457
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230019299
Date	Nov 8, 2023
Instrument	230019299

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2053

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$3,447.00 (+2.19%)	$275,800 (+0.55%) Land $33,500 Building $242,300	$275,800 (+0.55%) Land $33,500 Building $242,300
2025	$3,373.00 (+7.18%)	$274,300 (+8.94%) Land $32,000 Building $242,300	$274,300 (+8.94%) Land $32,000 Building $242,300
2023	$3,147.00	$251,800 Land $29,000 Building $222,800	$251,800 Land $29,000 Building $222,800

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

Flood

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	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

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

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.

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 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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