Norfolk City property record for 786 48th St, Norfolk, VA 23508
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,384 sqft · built 1920 |
| Lot Size | 0.122 acres (5,306 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,898 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit May 2017 Refinance + 1 more |
| APN | 05892900 |
| Primary APN | 05892900 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,384 sqft Living Area |
| Interior Walls | Plaster |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,306 sqft (0.122 acres) |
| Garage Type | Detached |
| Garage Area | 256 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 144 sqft |
| Deck Area | Deck Area |
| Patio Area | 24 sqft |
| Cooling System | None |
|---|---|
| Heating System | Hot Water |
| Street Address | 786 48TH ST |
|---|---|
| City | NORFOLK |
| State | VA |
| Zip | 23508-2014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8 |
| Legal Description | 16 & 17 BLK 518 |
| Legal Subdivision | HIGHLAND PARK SYNDICATE |
| Legal Block | 518 |
| Jurisdiction | NORFOLK CITY VA |
| Township / Civil Division | NORFOLK |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 2600 |
786 48th St is owned and occupied by an individual.
Source: Norfolk City records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 786 48TH ST, NORFOLK, VA 23508-2014 |
| 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.
| Date | Document |
|---|---|
| Jul 17, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| May 8, 2017 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA |
| Jun 26, 2019 | Deed of Trust, Mortgage · Commercial Mortgage SOUTHERN BANK AND TRUST COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORFOLK CITY VA |
| Recording Date | Jul 17, 2026 |
| Property Address | 786 48TH ST, NORFOLK, VA 23508-2014 |
| Document Number | 0000013830 |
| Instrument Date | Jun 24, 2026 |
| Instrument | 202613830 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 786 48TH ST, NORFOLK, VA 23508-2014 |
| Document Number | 0000013830, |
|---|---|
| Date | Jul 17, 2026 |
| Instrument | 202613830 |
| Name | BANK OF AMERICA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 24, 2056 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORFOLK CITY VA |
| Property Address | 786 48TH ST, NORFOLK, VA 23508-2014 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0170009931 |
|---|---|
| Date | May 8, 2017 |
| Instrument | 170009931 |
| Name | BANK OF AMERICA NA |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2032 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORFOLK CITY VA |
| Property Address | 786 48TH ST, NORFOLK, VA 23508-2014 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0190012011 |
|---|---|
| Date | Jun 26, 2019 |
| Instrument | 190012011 |
| Name | SOUTHERN BANK AND TRUST COMPANY |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 786 48th St was $2,898, up 160.4% from the year before.
Source: Norfolk City assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Norfolk City |
| Unified School District | Norfolk City Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,898.00 (+160.38%) | $231,900 (+2.47%) Land $79,000 Building $152,900 | $231,900 (+2.47%) Land $79,000 Building $152,900 |
| 2025 | $1,113.00 | $226,300 Land $79,000 Building $147,300 | $226,300 Land $79,000 Building $147,300 |
| 2023 | $518.00 | $207,300 Land $79,000 Building $128,300 | $207,300 Land $79,000 Building $128,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 786 48th St; there have been 5 flood claims nearby since 2003.
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 67 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 67 in force |
| Nearby Flood Claims | 5 (2003–2022) |
| Most Recent Claim | Nov 2022 · 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 risk around 786 48th 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 99.1% of the US · lower than 99.6% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 459 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 1,000 / 75 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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