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PortsmouthSTERLING POINT5204 Lake Cir✓ Source: REIN MLS #10632591 · record updated Jun 8, 2026 · synced every 2 min · your inquiry is never resold
5204 Lake CIR, PORTSMOUTH VA 23703 - Main photo
$450,000
$204 / sqft · est. $2,822/mo →
3beds
2.1baths
2,210sqft
13days on market

5204 Lake Cir, Portsmouth, VA 23703

SoldResidential · built 1958 · STERLING POINT

Chapter · The Water

Life on the water

The waterfront is the reason this home exists. Its water record, straight from the listing: Lake.

Frontage

Lake ✓ VERIFIED

Source: REIN MLS listing record · waterfront features as listed

About this home

The listing, in the seller's words

Enjoy waterfront living in this split-level home on Horseshoe Lake in Sterling Point. The main level features a spacious living room with a fireplace, flowing seamlessly into the dining area and eat-in kitchen overlooking the lake. The lower level offers a large recreation space perfect for entertaining, opening to a screened porch and a backyard with peaceful water views. This level also includes a half bath, utility room, and access to the one-car garage. Upstairs, you'll find three bedrooms, including a primary suite with private bath, plus a full hall bath. Hardwood floors run throughout the home, and the yard is filled with mature landscaping and perennial blooms that return year after year. A wonderful opportunity to enjoy serene waterfront living in an established, quiet neighborhood, perfect for bike rides and strolls.

Listing courtesy of Catherine Davis · BHHS RW Towne Realty · REIN MLS #10632591

VaHome team overview

Our read on this home

At a glance

Meet 5204 Lake Circle — a 3-bedroom, 2.1-bath mid-century home on a generous 0.41-acre lot in Portsmouth's established Sterling Point neighborhood. At 2,210 square feet, there's real room to spread out, and two military installations are each just nine minutes away.

Read the full overview ↓

Why this home stands out

What sets 5204 Lake Circle apart is the combination of scale and setting that's genuinely hard to find: nearly half an acre in a mature, tree-lined neighborhood, paired with a 1958 footprint that's been living large at 2,210 square feet since Eisenhower was in office. The cul-de-sac street name isn't just atmospheric — Lake Circle delivers a quieter pace while keeping you close to everything Portsmouth has going for it.

STERLING POINT and the Portsmouth real estate market

Sterling Point is one of Portsmouth's most quietly appealing mid-century neighborhoods — the kind of place where the streets curve gently, the lots run deep, and the neighbors have been around long enough to wave hello. Established in the late 1950s and early 1960s, the area carries an architectural consistency that newer subdivisions rarely achieve, with brick ranches and split-levels sitting on mature, landscaped lots. If you've been browsing homes for sale in Portsmouth VA and wondering where the real character lives, Sterling Point tends to stop the scroll. Portsmouth itself sits at the heart of Hampton Roads, bordered by the Elizabeth River and connected to Norfolk, Chesapeake, and Suffolk by a network of bridges and tunnels. The city has a working waterfront identity, a revitalized Olde Towne district, and a military presence that gives the local economy a steady backbone. Sterling Point sits in the northern corridor of Portsmouth, which puts you well-positioned for both the waterfront and the interstate.

What's nearby

Daily life is genuinely easy from 5204 Lake Circle. The Portsmouth YMCA is just half a mile away — an easy walk or a two-minute drive when you want to get a workout in without committing to a long commute. Beyond that anchor, the broader northern Portsmouth corridor puts grocery runs, pharmacies, and casual dining within a short drive along Portsmouth Boulevard and the surrounding commercial strips. Waterfront parks and the historic Olde Towne district add weekend texture, while quick access to I-664 means the rest of Hampton Roads — Norfolk, Suffolk, Chesapeake — is rarely more than 20 minutes out.

For different buyers

For military families relocating

Naval Medical Center Portsmouth and NSA Northwest Annex are each about nine minutes from the front door — a commute that makes morning formation feel manageable and leaves real time in the day for everything else. VA loan eligibility can stretch further on a lot this size, and BAH rates in the Portsmouth area tend to align well with what this neighborhood offers. Sterling Point has housed military families for decades, and it shows.

For families upgrading

If your current place is starting to feel tight, 2,210 square feet on 0.41 acres is the kind of upgrade that actually changes how you live. There's room for a proper home office, a backyard that earns its keep, and a neighborhood quiet enough that kids can be outside without constant supervision. Sterling Point's established character means you're buying into a street that already feels like a community — not one that's still figuring itself out.

More buyer questions

How far is 5204 Lake Circle from Naval Medical Center Portsmouth?

Naval Medical Center Portsmouth is approximately 9 minutes away by car under normal traffic conditions. The route stays largely on surface streets through northern Portsmouth, avoiding most major chokepoints.

How far is 5204 Lake Circle from NSA Northwest Annex?

NSA Northwest Annex is also about 9 minutes from 5204 Lake Circle, making this address a practical choice for personnel assigned to either installation.

What is the lot size at 5204 Lake Circle?

The lot measures 0.41 acres — a notably generous footprint for an in-city address in Sterling Point, offering meaningful outdoor space front and back.

Is 5204 Lake Circle in a flood zone?

Flood zone designation for this address is displayed in the dedicated FloodRisk tile on this page, which pulls current FEMA map data. It's worth reviewing before making any decisions, as flood zone status can affect insurance requirements.

What is the Sterling Point neighborhood like in Portsmouth?

Sterling Point is a mid-century residential neighborhood in northern Portsmouth characterized by mature trees, curved streets, and brick homes on larger-than-average lots. It has a settled, established feel that appeals to buyers looking for neighborhood cohesion rather than new-construction uniformity.

Tom and Dariya Milan at LPT Realty know Portsmouth's neighborhoods block by block. Reach out to get a straight answer on 5204 Lake Circle and what it could mean for your next move.

Summary generated by AI from public records and publicly available information.

Schools

Info provided by GreatSchools

Facts & features

The record, sourced

Type

Residential

Year built

1958

Price / sqft

$204

HOA

None

Taxes

$4,274/yr

County

Portsmouth VA

Waterfront

Yes

MLS #

10632591

Interior

Bedrooms
3
Full baths
2
Half baths
1
Approx. sqft
2,210
Stories
2
Flooring
Ceramic, Concrete, Vinyl, Wood
Ensuite bedrooms
1
Total rooms
7
Other rooms
Attic, Breakfast Area, Foyer, Porch, Screened Porch, Utility Room
Appliances
Dishwasher, Dryer Hookup, Gas Range, Refrigerator, Washer Hookup
Equipment
Ceiling Fan, Gar Door Opener
Accessibility
Main Floor Laundry

Construction & exterior

Style
Split-Level, Tri-Level
Subtype
Detached
Foundation
Crawl, Slab
Roof
Asphalt Shingle
Exterior
Brick,Vinyl
Pool
No Pool
Fencing
Partial
Waterfront
Lake

Utilities & systems

Heating
Forced Hot Air, Oil
Cooling
Central Air
Water heater
Electric
Water
City/County
Sewer
City/County

Lot, parking & ownership

Lot size
0.4100
Subdivision
STERLING POINT
Ownership
Fee Simple
Garage
Yes
Parking
Garage Att 1 Car, Driveway Spc, Street
Possession
SETTLEMENT
Disclosures
Disclosure Statement

See more Portsmouth waterfront homes.

Sources: REIN MLS record · city assessor · null fields are suppressed, never faked

Flood & environment

FEMA flood zone AE · base flood elevation 8 ft · Special Flood Hazard Area (flood insurance typically required) · FIRM 515529

Flood Risk

Looking up FEMA flood zone…

Zone AE typically means lenders require flood insurance — factor it into the monthly numbers below.

Hurricane Evacuation Zone

Evacuation Zone B

Source: Virginia Dept. of Emergency Management — Know Your Zone

Explore this neighborhood

Churchland

Churchland is an established residential neighborhood in Portsmouth, Virginia, known for its tree-lined streets and collection of well-maintained homes spanning multiple decades.

$312K

Median sale · 12 mo

$205

Sold $/sq ft

17d

Days on market

6

For sale now

$66K

HH income

46%

Owner-occupied

REIN MLS closed sales, trailing 12 mo · U.S. Census ACS 2024 5-year

Explore Churchland
Map of Churchland with neighborhood boundaryNeighborhood

Portsmouth homes for sale

Location intelligence

Minutes to real places, not a score

Location & Neighborhood

Places within ~1 mile, ordered by distance from this property. Powered by Google Places.

Military Commute

Drive times to nearest bases

Drive times via Google Maps with current traffic patterns. Times are typical and may vary by time of day. Use the "Analyze" button up top to see live drive time to your saved base.

The numbers

Run the real carrying cost

Estimates only — taxes come from the public record; confirm rates with your lender. VA-eligible buyers: $0-down financing may apply.

Estimate your monthly payment

$2,822/mo

Principal & interest

$2,335

Property tax

$356

Home insurance

$131

PMI

None

HOA

None

Estimate only. Insurance assumed at 0.35% of home value annually. Actual taxes, insurance, and rate will vary by lender, credit, and property. Contact a lender for a personalized quote.

Value & history

Judge value on real ground

Asking vs. assessment

131% of $344,710

City assessment record · taxes $4,274/yr

Land share of assessed value

37% — $127,030

Improvements $217,680 · assessor record ✓

Why we show no algorithmic estimate.

National AVMs misprice homes whose value drivers they can't see. Instead: the sourced assessment above, the carrying cost, real price history, and honest comparables below.

Price context — similar nearby homes

$247,500$518,000

The 6 most similar homes nearby (same city, within ~20% of this size, ~2.5 mi; 6 sold). Context for judging the asking price — not an appraisal or an estimate of this home's value.

3130 Sterling Point DR · 0.4 mi · 2,488 sqft$518,000 sold 2026-04
3409 Freemason DR · 0.8 mi · 2,052 sqft$400,000 sold 2026-06
4840 Thornwood ST · 1.2 mi · 2,200 sqft$410,000 sold 2026-03

Sale & Tax History

List Price

$450,000

Price / Sq Ft

$204

Annual Taxes

$4,274

Monthly Tax

$356

HOA

None

Tax Rate (effective)

0.95%

Sale Timeline (this listing)

EventDatePriceDetail
ListedMay 26, 2026$450,000
Price increasedJun 8, 2026$450,000+$11,000
SoldJun 4, 2026$450,000

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

31% above assessment

Total Assessed

$344,710

Land

$127,030

Improvement

$217,680

Looking for multi-year tax assessments or prior sales? REIN MLS only ships data for the current listing. For full property history, check the city assessor record:

Portsmouth Real Estate Assessor

Tax data above from REIN public-records sync. Sale timeline tracked from this listing's first appearance in our feed forward; prior owner sales are not included.

Comparable Properties

Comps are selected by city, bed count, square footage and price proximity. Composite similarity score weights bed match, sqft variance, price variance, and straight-line distance.

Questions buyers ask

Real questions, answered from the record

Is 5204 Lake Cir in a good school zone?+
The assigned zones on the listing record are Churchland Primary & Intermediate (GreatSchools 7/10), Churchland Middle (GreatSchools 5/10), Churchland (GreatSchools 5/10). School attendance zones can change — always confirm enrollment with the local school division.
Is 5204 Lake Cir in a flood zone?+
FEMA maps this parcel in Zone AE with a base flood elevation of 8 ft — a high-risk flood band where lenders typically require flood insurance. See the flood section on this page for the full details and sources, and verify with an elevation certificate.
Is there a gym near 5204 Lake Cir?+
Yes — Portsmouth YMCA is about 0.5 miles away, per the cached nearby-places record for this address.
Is 5204 Lake Cir a waterfront property?+
Yes. The listing record shows: Lake.
Does 5204 Lake Cir have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 5204 Lake Cir built?+
It was built in 1958, per the listing record.

Answers generated from the listing record, verified school zones, FEMA data, and cached nearby-places data — never invented.

The people

You'll talk to a person, not a lead queue

TD

Tom & Dariya Milan

LPT Realty · Hampton Roads · answer their own phone

✓ Your inquiry goes to Tom & Dariya — never sold to strangers

Listing courtesy of Catherine Davis · BHHS RW Towne Realty · REIN MLS #10632591

Call or text (757) 777-7577

Ask Dariya — instant answers

Schools, flood, drive times, what it really costs to own — answered from this page's data, by chat or voice.

This home has sold

Curious what it means for your own plans? Ask about similar homes nearby, or what your home might sell for in this market.

This one's sold — the next one doesn't have to be.

5204 Lake Cir, Portsmouth, Virginia 23703 · MLS #10632591 · Source: REIN MLS + public record. Information deemed reliable but not guaranteed — verify independently. School zones subject to change; confirm with the local school division. All locations are described by neutral geographic fact. Equal Housing Opportunity.