Norfolk City property record for 945 Spaulding Dr, Norfolk, VA 23513
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 840 sqft · built 1953 |
| Lot Size | 0.161 acres (7,018 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,201 (2025) |
| Deeds & Mortgages | Nov 2022 Refinance Feb 2018 Mortgage |
| APN | 43100600 |
| Primary APN | 43100600 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 840 sqft Living Area |
| Interior Walls | Plaster |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,018 sqft (0.161 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 945 SPAULDING DR |
|---|---|
| City | NORFOLK |
| State | VA |
| Zip | 23513-2926 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R7 |
| Legal Description | 35 BLK EYE CHES MANOR GDNS SEC 11 |
| Legal Subdivision | CHESAPEAKE MANOR GARDENS SEC 02 |
| Jurisdiction | NORFOLK CITY VA |
| Township / Civil Division | NORFOLK |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 5701 |
Source: Norfolk City assessment roll, APN 43100600, as of September 25, 2025 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 945 SPAULDING DR, NORFOLK, VA 23513-2926 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 09, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance AMERICAN FINANCIAL NETWORK INC |
| Feb 14, 2018 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORFOLK CITY VA |
| Property Address | 945 SPAULDING DR, NORFOLK, VA 23513-2926 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0220026349 |
|---|---|
| Date | Nov 09, 2022 |
| Instrument | 220026349 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.13% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORFOLK CITY VA |
| Property Address | 945 SPAULDING DR, NORFOLK, VA 23513-2926 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | CARRINGTON TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 180002907 |
|---|---|
| Date | Feb 14, 2018 |
| Instrument | 180002907 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2048 |
| Rate Type | Fixed Rate |
|---|
Source: Norfolk City assessment roll as of September 25, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Norfolk City |
| Unified School District | Norfolk City Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,201.00 (+3.09%) | $179,000 (+4.8%) Land $94,600 Building $84,400 | $179,000 (+4.8%) Land $94,600 Building $84,400 |
| 2023 | $2,135.00 | $170,800 Land $94,600 Building $76,200 | $170,800 Land $94,600 Building $76,200 |
Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 517100057011, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 3 (1978–2011) |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| 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 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.
Source: FCC Broadband Data Collection, 543 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings 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 |
Source: EPA Safe Drinking Water Information System, water system VA3710100, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF NORFOLK serves 234,220 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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