654 Dune St, Norfolk, VA 23503 Property Records

Norfolk City property record for 654 Dune St, Norfolk, VA 23503

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,192 sqft · built 1952
Lot Size	0.151 acres (6,599 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,676 (2026)
Deeds & Mortgages	Oct 2021 Refinance Aug 2021 Transfer
APN	`10319700`

Property Details

APN / Parcel Number

Primary APN	`10319700`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,192 sqft Living Area
Interior Walls	Plaster

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,599 sqft (0.151 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	654 DUNE ST
City	NORFOLK
State	VA
Zip	23503-5344
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7
Legal Description	PTS 15,16 BLK 3 -60FT-
Legal Subdivision	EUWANEE PARK
Legal Block	3-60
Jurisdiction	NORFOLK CITY VA
Township / Civil Division	NORFOLK
Census Block Group	1
Census Block	1010
Census Tract	600

Owner

654 Dune St is owned and occupied by two individuals who acquired it in August 2021.

Source: Norfolk City records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	654 DUNE ST, NORFOLK, VA 23503-5344
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROYAL UNITED MORTGAGE LLC
Aug 31, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 16, 2021
Transfer Doc	0000027350
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORFOLK CITY VA
Property Address	654 DUNE ST, NORFOLK, VA 23503-5344
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210032409
Date	Oct 18, 2021
Instrument	210032409

Lender

Name	ROYAL UNITED MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.13%

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORFOLK CITY VA
Recording Date	Aug 31, 2021
Property Address	654 DUNE ST, NORFOLK, VA 23503-5344
Document Number	210027350
Instrument Date	Aug 16, 2021
Instrument	210027350
Transaction Type	Transfer
Record Updated	Sep 22, 2021

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 DUNE ST, NORFOLK, VA 23503-5344

Tax Assessment & Valuation

The 2026 property tax bill for 654 Dune St was $2,676, up 9.1% from the year before.

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	$2,676.00 (+9.14%)	$214,100 (+7.37%) Land $77,000 Building $137,100	$214,100 (+7.37%) Land $77,000 Building $137,100
2025	$2,452.00	$199,400 Land $70,000 Building $129,400	$199,400 Land $70,000 Building $129,400
2023	$2,348.00	$187,900 Land $70,000 Building $117,900	$187,900 Land $70,000 Building $117,900

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

Flood

FEMA has no flood map on file for 654 Dune St; there have been 1 flood claim nearby since 1998.

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 11 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · tidal / storm surge

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

Wildfire risk around 654 Dune St 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 97% of the US · lower than 98.4% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 554 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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