512 Stuart Cir, Norfolk, VA 23502 Property Records

Norfolk City property record for 512 Stuart Cir, Norfolk, VA 23502

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,469 sqft · built 1986
Lot Size	0.141 acres (6,159 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Jun 2013)
Tax Bill	$3,401 (2026)
Deeds & Mortgages	May 2026 Mortgage Sep 2024 Second Mortgage + 1 more
APN	`05195545`

Property Details

APN / Parcel Number

Primary APN	`05195545`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,469 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,159 sqft (0.141 acres)
Garage Type	Attached
Garage Area	290 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	21 sqft
Deck Area	Deck Area
Patio Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	512 STUART CIR
City	NORFOLK
State	VA
Zip	23502-4455
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	36 WAVERLY
Legal Subdivision	WAVERLY
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	512 STUART CIR, NORFOLK, VA 23502-4455
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2026	Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK
Sep 27, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BEACH MUNICIPAL FEDERAL CREDIT UNION
Aug 12, 2025	Affidavit of Death of Joint Tenant, Transfer · VA Mortgage THE FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2013 · Amount on Record
Deed Sale	Jun 5, 2013 · Amount on Record
Deed Document Number	201315370
Last Transfer Date	Aug 8, 2025
Transfer Doc	0000014534
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORFOLK CITY VA
Recording Date	May 7, 2026
Property Address	512 STUART CIR, NORFOLK, VA 23502-4455
Document Number	0000008720
Instrument Date	Apr 8, 2026
Instrument	20268720
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WESTCOR LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 STUART CIR, NORFOLK, VA 23502-4455

Mortgage

Document Number	0000008720,
Date	May 7, 2026
Instrument	20268720

Lender

Name	FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORFOLK CITY VA
Property Address	512 STUART CIR, NORFOLK, VA 23502-4455
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240016310
Date	Sep 27, 2024
Instrument	240016310

Lender

Name	BEACH MUNICIPAL FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 11, 2039

Interest

Rate Type	Fixed Rate

August 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	NORFOLK CITY VA
Recording Date	Aug 12, 2025
Property Address	512 STUART CIR, NORFOLK, VA 23502-4455
Document Number	0250014534
Map Reference	MB 42 PG 4
Instrument Date	Jul 24, 2025
Instrument	250014534
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	BCHH

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 STUART CIR, NORFOLK, VA 23502-4455

Mortgage

Document Number	0250014535
Date	Aug 12, 2025
Instrument	250014535

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2055

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	$3,401.00 (+2.19%)	$272,100 (+0.55%) Land $33,500 Building $238,600	$272,100 (+0.55%) Land $33,500 Building $238,600
2025	$3,328.00 (+7.01%)	$270,600 (+8.76%) Land $32,000 Building $238,600	$270,600 (+8.76%) Land $32,000 Building $238,600
2023	$3,110.00	$248,800 Land $29,000 Building $219,800	$248,800 Land $29,000 Building $219,800

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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