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PortsmouthSTERLING POINT5220 Lake Cir✓ Source: REIN MLS #10625745 · record updated May 6, 2026 · synced every 2 min · your inquiry is never resold
5220 Lake CIR, PORTSMOUTH VA 23703 - Main photo
$512,000
$195 / sqft · est. $3,218/mo →
3beds
2.1baths
2,631sqft
17days on market

5220 Lake Cir, Portsmouth, VA 23703

SoldResidential · built 1960 · 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

This beautiful 3 bedroom, 2.5 bath home offers the perfect blend of comfort, updates, and scenic views. Enjoy peace of mind with a new roof and new gas HVAC, along with updated kitchen appliances that make everyday living a breeze. Inside you'll find two fireplaces - one gas for easy ambiance and one wood-burning for cozy nights in. The home flows effortlessly from room to room, with inviting living areas and picturesque views of the lake. Step outside to take in all this property has to offer, including a large two-car garage, and extra wide driveway for ample additional parking, and a shed with power - great for a workshop, hobbies, or extra storage. The beautifully landscaped yard bursts with color throughout the seasons, showcasing blooming azaleas, camellias, and hydrangeas. Nature lovers will especially appreciate the serene setting, as the lake is home to migrating diving ducks, birds, eagles, and mallards. A true connection to the outdoors right from your own backyard.

Listing courtesy of Sarah Barker · A Better Way Realty Inc. · REIN MLS #10625745

Schools

Info provided by GreatSchools

Facts & features

The record, sourced

Type

Residential

Year built

1960

Price / sqft

$195

HOA

None

Taxes

$4,948/yr

County

Portsmouth VA

Waterfront

Yes

MLS #

10625745

Interior

Bedrooms
3
Full baths
2
Half baths
1
Approx. sqft
2,631
Stories
1
Flooring
Ceramic, Wood
Ensuite bedrooms
1
First-floor bed & full bath
Yes
Total rooms
7
Other rooms
1st Floor BR, 1st Floor Primary BR, Attic, Breakfast Area, PBR with Bath, Utility Room
Appliances
Dishwasher, Disposal, Dryer Hookup, Microwave, Gas Range, Refrigerator, Washer Hookup

Construction & exterior

Style
Ranch
Subtype
Detached
Foundation
Crawl
Roof
Asphalt Shingle
Exterior
Brick
Pool
No Pool
Waterfront
Lake

Utilities & systems

Heating
Nat Gas
Cooling
Central Air
Water heater
Gas
Sewer
City/County

Lot, parking & ownership

Subdivision
STERLING POINT
Zoning
GR
Ownership
Fee Simple
Garage
Yes
Parking
Garage Att 2 Car, Off Street, Driveway Spc
Possession
SETTLEMENT
Disclosures
Disclosure Statement, Related to Seller

See more Portsmouth waterfront homes.

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

Flood & environment

FEMA flood zone X · outside the high-risk area · FIRM 515529

Flood Risk

Looking up FEMA flood zone…

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 houses 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

$3,218/mo

Principal & interest

$2,657

Property tax

$412

Home insurance

$149

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

128% of $399,000

City assessment record · taxes $4,948/yr

Land share of assessed value

32% — $127,030

Improvements $271,970 · 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

$365,000$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
2810 Acres RD · 0.4 mi · 2,393 sqft$365,000 sold 2026-05
5204 Lake CIR · 0.1 mi · 2,210 sqft$450,000 sold 2026-06

Sale & Tax History

List Price

$512,000

Price / Sq Ft

$195

Annual Taxes

$4,948

Monthly Tax

$412

HOA

None

Tax Rate (effective)

0.97%

Sale Timeline (this listing)

EventDatePriceDetail
ListedApr 23, 2026$512,000
SoldApr 30, 2026$512,000

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

28% above assessment

Total Assessed

$399,000

Land

$127,030

Improvement

$271,970

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 5220 Lake Cir in a good school zone?+
The assigned zones on the listing record are Churchland Elementary (GreatSchools 5/10), Churchland Middle (GreatSchools 5/10), Churchland (GreatSchools 5/10). School attendance zones can change — always confirm enrollment with the local school division.
Is 5220 Lake Cir in a flood zone?+
FEMA maps this parcel in Zone X, outside the high-risk Special Flood Hazard Area. See the flood section on this page for details and sources.
Is there a gym near 5220 Lake Cir?+
Yes — Portsmouth YMCA is about 0.6 miles away, per the cached nearby-places record for this address.
Where is the nearest grocery store to 5220 Lake Cir?+
Lilley Farms Strawberries + More is about 0.9 miles away.
Is 5220 Lake Cir a waterfront property?+
Yes. The listing record shows: Lake.
Does 5220 Lake Cir have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 5220 Lake Cir built?+
It was built in 1960, 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 Sarah Barker · A Better Way Realty Inc. · REIN MLS #10625745

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.

5220 Lake Cir, Portsmouth — photo

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

5220 Lake Cir, Portsmouth, Virginia 23703 · MLS #10625745 · 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.