904 Joyce St, Norfolk, VA 23523 Property Records

Norfolk City property record for 904 Joyce St, Norfolk, VA 23523

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,480 sqft · built 2008
Lot Size	0.062 acres (2,696 sqft)
Owner	2 Individual Names on File
Last Sale	$163,810 (Feb 2018)
Tax Bill	$2,882 (2026)
Deeds & Mortgages	Jan 2021 Refinance Dec 2019 Mortgage + 2 more
APN	`01577500`

Property Details

APN / Parcel Number

Primary APN	`01577500`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,480 sqft Living Area
Attic	Attic
Attic Area	740 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	2,696 sqft (0.062 acres)
Deck Area	Deck Area
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	904 JOYCE ST
City	NORFOLK
State	VA
Zip	23523-1826
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	42 25 FT BLK 10
Legal Subdivision	A M COOKS LAND
Legal Block	10
Jurisdiction	NORFOLK CITY VA
Township / Civil Division	NORFOLK
Census Block Group	2
Census Block	2026
Census Tract	5100

Owner

904 Joyce St is owned and occupied by two individuals who bought it in February 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	904 JOYCE ST, NORFOLK, VA 23523-1826
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
Jan 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION
Dec 23, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Feb 6, 2018	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE LLC
Oct 30, 2017	Warranty Deed, Transfer · Commercial Mortgage CAPITAL FOR PROPERTY REVITALIZATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2018 · Amount on File
Deed Sale	Feb 6, 2018 · Amount on File
Prior Sale	Oct 30, 2017 · Amount on File
Deed Document Number	20182331
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORFOLK CITY VA
Property Address	904 JOYCE ST, NORFOLK, VA 23523-1826
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210000491
Date	Jan 6, 2021
Instrument	210000491

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	348 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORFOLK CITY VA
Property Address	904 JOYCE ST, NORFOLK, VA 23523-1826
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190025551
Date	Dec 23, 2019
Instrument	190025551

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NORFOLK CITY VA
Recording Date	Feb 6, 2018
Property Address	904 JOYCE ST, NORFOLK, VA 23523-1826
Document Number	0180002331
Instrument Date	Feb 2, 2018
Instrument	180002331
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 JOYCE ST, NORFOLK, VA 23523-1826

Mortgage

Document Number	0180002332
Date	Feb 6, 2018
Instrument	180002332

Lender

Name	MOVEMENT MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NORFOLK CITY VA
Recording Date	Oct 30, 2017
Property Address	904 JOYCE ST, NORFOLK, VA 23523-1826
Document Number	0170024253
Instrument Date	Oct 25, 2017
Instrument	170024253
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	TRUE NORTH TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5779 ALBRIGHT DR, VIRGINIA BEACH, VA 23464-6525

Mortgage

Document Number	0170024254
Date	Oct 30, 2017
Instrument	170024254

Lender

Name	CAPITAL FOR PROPERTY REVITALIZATION

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 904 Joyce St was $2,882, up 3.2% 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	$2,882.00 (+3.22%)	$230,600 (+1.59%) Land $26,400 Building $204,200	$230,600 (+1.59%) Land $26,400 Building $204,200
2025	$2,792.00	$227,000 Land $22,800 Building $204,200	$227,000 Land $22,800 Building $204,200
2023	$2,533.00	$202,700 Land $22,800 Building $179,900	$202,700 Land $22,800 Building $179,900

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 904 Joyce St; there have been 6 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	6 (1978–2009)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Nov 2009 · Severe Storms And Flooding Associated With Tropical Depression Ida And A Nor'east

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

The area around 904 Joyce St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 386 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
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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