654 Joan Cir, Salem, VA 24153 Property Records

Salem City property record for 654 Joan Cir, Salem, VA 24153

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.25 ba · 2,242 sqft · built 1986
Lot Size	0.972 acres (42,340 sqft)
Owner	2 Individual Names on Record
Last Sale	$405,000 (Aug 2025)
Tax Bill	$4,065 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`264-4-4`

Property Details

APN / Parcel Number

Primary APN	`264-4-4`
Alternative APN	`6623`

Interior

Bedrooms	4 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,242 sqft Living Area
Basement Area	1,120 sqft
Finished Basement	240 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Aluminum/Vinyl
Roof Material	Shingle
Lot Area	42,340 sqft (0.972 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	223 sqft
Deck Area	Deck Area
Patio Area	608 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	654 JOAN CIR
City	SALEM
State	VA
Zip	24153-6657
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	NEW LT 22A BLK 4 SEC 4 KAREN HILLS
Legal Subdivision	KAREN HILLS
Legal Block	4
Legal Lot Number	22A
Jurisdiction	SALEM CITY VA
Township / Civil Division	SALEM
Census Block Group	4
Census Block	4005
Census Tract	10502

Owner

Source: Salem City records, as of August 25, 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	654 JOAN CIR, SALEM, VA 24153-6657
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2025 · Amount on Record
Deed Sale	Aug 29, 2025 · Amount on Record
Prior Sale	Aug 5, 2005 · Amount on Record
Deed Document Number	20251804
Prior Transfer Date	Mar 6, 2008
Prior Transfer Doc	0200801059
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM CITY VA
Recording Date	Jul 13, 2026
Property Address	654 JOAN CIR, SALEM, VA 24153-6657
Document Number	0000001506
Instrument Date	Jul 2, 2026
Instrument	20261506
Transaction Type	Mortgage
Record Updated	Jul 24, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 JOAN CIR, SALEM, VA 24153-6657

Mortgage

Document Number	0000001506,
Date	Jul 13, 2026
Instrument	20261506

Lender

Name	SKYLINE NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2056

Interest

Rate	6.48%
Max Rate	-1%

Tax Assessment & Valuation

Source: Salem City assessment roll, as of August 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,065.00 (+102.84%)	$350,500 (+3.15%) Land $74,200 Building $276,300	$350,500 (+3.15%) Land $74,200 Building $276,300
2025	$2,004.00 (-42.61%)	$339,800 (+16.77%) Land $68,700 Building $271,100	$339,800 (+16.77%) Land $68,700 Building $271,100
2023	$3,492.00	$291,000 Land $50,700 Building $240,300	$291,000 Land $50,700 Building $240,300

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, effective December 21, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2004 · river or lake flooding

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	Moderate above 42% of the US · above 69% of Virginia
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 SALEM serves 24,346 people · EPA ID VA2775300
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 268 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20