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NorfolkCOTTAGE LINE9640 Sturgis St✓ Source: REIN MLS #10643221 · record updated Aug 19, 2026 · synced every 2 min · your inquiry is never resold
9640 Sturgis ST, NORFOLK VA 23503 - Main photo
9640 Sturgis ST, NORFOLK VA 23503 - Photo 2
9640 Sturgis ST, NORFOLK VA 23503 - Photo 3
9640 Sturgis ST, NORFOLK VA 23503 - Photo 4
9640 Sturgis ST, NORFOLK VA 23503 - Photo 5
5beds
4baths
3,442sqft
41days on market

9640 Sturgis St, Norfolk, VA 23503

ActiveResidential · built 2006 · COTTAGE LINE

Facts & features

Type

Residential

Year built

2006

Price / sqft

$261

HOA

None

Taxes

$10,460/yr

County

Norfolk VA

MLS #

10643221

Interior

Bedrooms
5
Full baths
4
Approx. sqft
3,442
Stories
2
Flooring
Carpet, Ceramic, Wood
First-floor bed & full bath
Yes
Total rooms
10
Other rooms
1st Floor BR, Attic, Balcony, Breakfast Area, Foyer, PBR with Bath, Porch, Utility Room
Appliances
Dishwasher, Disposal, Dryer, Energy Star Appliance(s), Microwave, Gas Range, Washer
Equipment
Ceiling Fan, Gar Door Opener

Construction & exterior

Style
Contemp, Cottage, Transitional
Subtype
Detached
Foundation
Crawl
Roof
Asphalt Shingle
Exterior
Vinyl,Wood
Pool
In Ground Pool
Fencing
Back Fenced

Utilities & systems

Heating
Heat Pump, Zoned
Cooling
Central Air, Heat Pump
Water heater
Gas
Water
City/County
Sewer
City/County

Lot, parking & ownership

Subdivision
COTTAGE LINE
Zoning
R-8
Ownership
Fee Simple
Garage
Yes
Parking
Garage Att 2 Car, 2 Space, Street
Possession
SETTLEMENT
Disclosures
Disclosure Statement, Pet on Premises

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

About this home

Welcome to 9640 Sturgis Street, a custom-built, Coastal-inspired home just steps from the Chesapeake Bay. This beautifully maintained home offers 5 bedrooms and 4 full bathrooms, including a first-floor bedroom with an attached en-suite - space for guests, multigenerational living, or home office. Fresh paint, newer carpet (only in 2 bedrooms), and updated first-floor tile within the last two years make it move-in ready. Enjoy beach access, a heated in-ground pool with an 8.5-foot deep end, and a spacious patio which allows for relaxing or entertaining. The unfinished third floor is already plumbed with a full bathroom, offering the opportunity to create a sixth bedroom, guest suite, media room or home office. This home is a rare opportunity to enjoy the best of coastal living in the heart of Ocean View. No flood insurance required!

Listing courtesy of Patience MacCartney · Iron Valley Real Est Norfolk · REIN MLS #10643221

Tom & Dariya's overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · Brokered by LPT Realty

At a glance

9640 Sturgis Street is a 5-bedroom, 4-bath, 3,442-square-foot home built in 2006 in Norfolk, Virginia — eight minutes from Naval Station Norfolk and steps from Chesapeake Bay beach access. Space, proximity to two major bases, and a walkable coastal edge make this address genuinely hard to replicate.

Read the full overview ↓

Why this home stands out

Five bedrooms and four full baths across 3,442 square feet is a rare footprint in this zip code, and the 2006 construction means you get modern mechanicals without the quirks of a mid-century gut-renovation. Toss in an eight-minute drive to Naval Station Norfolk, a nine-minute run to JEB Little Creek-Fort Story, and a beach access point literally three-tenths of a mile away, and the address starts to feel less like a coincidence and more like a deliberate find.

COTTAGE LINE and the Norfolk real estate market

Sturgis Street sits in the Ocean View corridor of Norfolk — a stretch of the city that traded its old boardwalk-resort identity for something quieter and more residential without losing the water. The Chesapeake Bay is the defining feature here: you can smell it on a good morning, and Grove St. Beach Access is a short three-block walk from the front door. The streets are a mix of updated ranches, newer two-stories, and the occasional classic cottage, giving the area texture without feeling chaotic. Norfolk itself is one of the most geographically compact major cities in the country — downtown, the medical district, and the waterfront are all within a reasonable drive, and the city's investment in the Tide light rail and the Harbor Park area has added energy to the urban core. Families comparing homes for sale in Norfolk often land in Ocean View precisely because it delivers a coastal lifestyle inside city limits, with none of the commute penalty that comes with the outer suburbs.

What's nearby

Daily life is easy from Sturgis Street. Peppers Indian Cuisine is four-tenths of a mile away when you want a real sit-down dinner, and Big Boss Burritos 2 covers the quick-and-satisfying category under a mile out. A 7-Eleven at 0.4 miles handles coffee runs and last-minute grabs. For groceries, Joan Brant is 0.7 miles away, with an Amoco and bp both within a mile for fuel and convenience stops. The real draw for outdoor time is the water: Grove St. Beach Access is 0.3 miles from the front door, Doc's Beach is 0.8 miles, and Lake Modoc adds a freshwater option at 0.9 miles. Between the bay, a lake, and two beach access points all under a mile, this block earns its coastal-living reputation without any exaggeration.

For different buyers

For military families relocating

Eight minutes to Naval Station Norfolk and nine minutes to JEB Little Creek-Fort Story puts 9640 Sturgis Street in the sweet spot for dual-military households and single-service members alike. Five bedrooms absorbs a growing family or a home-office setup without compromise, and the VA loan benefit stretches meaningfully at this square footage. Families weighing homes for sale in 23503 will find few addresses that check both the commute and the space boxes this cleanly.

For families upgrading

If your current home has everyone stacked on top of each other, 3,442 square feet with five bedrooms and four full baths is the reset you've been looking for. Built in 2006, the layout reflects how people actually live — not how builders thought people lived in 1975. Add beach access within walking distance and you have the kind of upgrade that changes daily life, not just the square footage number. Families comparing homes for sale zoned for Norview High School will find this address worth a serious look.

More buyer questions

How far is 9640 Sturgis Street from Naval Station Norfolk?

Naval Station Norfolk is approximately eight minutes by car from 9640 Sturgis Street, making this one of the closer residential options to the base without being directly adjacent to gate traffic.

How far is 9640 Sturgis Street from JEB Little Creek-Fort Story?

JEB Little Creek-Fort Story is about nine minutes away, which is an unusually short drive for a home that also sits eight minutes from Naval Station Norfolk — a dual-base commute advantage that's genuinely rare.

Is 9640 Sturgis Street close to the water?

Yes — Grove St. Beach Access on the Chesapeake Bay is 0.3 miles from the front door, and Doc's Beach is 0.8 miles away, putting bay-side outdoor time within easy walking or biking distance.

What is the flood zone status for 9640 Sturgis Street?

Flood zone designation for this address is displayed in the FloodRisk tile on this page — review that section for the current FEMA map panel information and zone classification.

Does 9640 Sturgis Street have an HOA?

HOA status for this property is confirmed in the listing details section — check there for the most current information on whether a homeowners association applies to this address.

Tom and Dariya Milan at LPT Realty know this corridor well. Reach out to schedule a walkthrough of 9640 Sturgis Street or to get honest answers about the neighborhood before you decide.

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

Homes like this one sell fast — see the next one first

Norfolk$760K – $1M5+ beds

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Schools

VaHome School Score

Our own 1–10 rating, scored from Virginia Department of Education data.

VaHome School Score — calculated by VaHome.com from Virginia Department of Education assessment, progress, and attendance data. Attendance zones come from the MLS listing record; confirm the current zone with the school division before making an offer.

Flood & environment

FEMA flood zone X · outside the high-risk area · FIRM 510104

Flood Risk

Looking up FEMA flood zone…

Hurricane Evacuation Zone

Evacuation Zone C

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

Explore this neighborhood

Ocean View

Ocean View is a waterfront neighborhood in Norfolk, Virginia, known for its access to the Chesapeake Bay and maritime character.

$406K

Median sale · 12 mo

$256

Sold $/sq ft

31d

Days on market

69

For sale now

$61K

HH income

36.5%

Owner-occupied

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

Explore Ocean View
Map of Ocean View with neighborhood boundaryNeighborhood

houses for sale in Norfolk

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

$5,799/mo

Principal & interest

$4,665

Property tax

$872

Home insurance

$262

PMI

None

HOA/Condo (paid separately)

None

Estimate only. Association (HOA/condo) fees are paid separately and are not included in the payment above. 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

106% of $850,400

City assessment record · taxes $10,460/yr

Land share of assessed value

15% — $131,100

Improvements $719,300 · assessor record ✓

Price context — similar nearby homes

$150,000$1,250,000

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.

2057 E Ocean View AVE · 1 mi · 3,312 sqft$470,000 sold 2026-08
2061 E Ocean View AVE · 1 mi · 3,212 sqft$430,000 sold 2026-08
135 W Balview AVE · 1.4 mi · 3,320 sqft$150,000 sold 2026-05

Own a home nearby? See what it is worth today — What's your Norfolk home worth?

Sale & Tax History

List Price

$899,000

Price / Sq Ft

$261

Annual Taxes

$10,460

Monthly Tax

$872

HOA

None

Tax Rate (effective)

1.16%

Sale Timeline (this listing)

EventDatePriceDetail
ListedJul 9, 2026$899,000
Price reducedJul 31, 2026$899,000−$40,900
Currently listed$899,000

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

6% above assessment

Total Assessed

$850,400

Land

$131,100

Improvement

$719,300

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:

Norfolk 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.

Market tempo

41 days on market — read it in context

Days on market reflects pricing, season, and inventory — compare it against similar nearby homes below before reading anything into it.

Questions buyers ask

Is 9640 Sturgis St in a good school zone?+
The assigned zones on the listing record are Camp Allen Elementary (VaHome School Score 6.1/10), Azalea Gardens Middle, Norview (VaHome School Score 2.7/10). School attendance zones can change — always confirm enrollment with the local school division.
Is 9640 Sturgis St 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.
Does 9640 Sturgis St have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 9640 Sturgis St built?+
It was built in 2006, 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

Brokered by LPT Realty · Hampton Roads · answer their own phone

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

Listing courtesy of Patience MacCartney · Iron Valley Real Est Norfolk · REIN MLS #10643221

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.

Schedule a private tour

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9640 Sturgis St, Norfolk — photo

See it in person — the record only says so much.

Call or text (757) 777-7577

9640 Sturgis St, Norfolk, Virginia 23503 · MLS #10643221 · 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.