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Norfolk › COTTAGE LINE › 9640 Sturgis St✓ Source: REIN MLS #10643221 · record updated Sep 23, 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
65days on market

9640 Sturgis St, Norfolk, VA 23503

Under ContractResidential · 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

Meet 9640 Sturgis Street—a five-bedroom, four-bath home built in 2006 with 3,442 square feet of comfortable living space. You're just eight minutes from Naval Station Norfolk, making this one of the most convenient Norfolk homes for sale for base commuters. The open layout and established neighborhood offer both practicality and room to grow.

Read the full overview ↓

Why this home stands out

This home delivers the space and flexibility that come with five bedrooms and four full baths. The 2006 construction means modern systems and solid bones. You'll find the kind of layout that works for remote work, guests, and everyday life—no cramped hallways or awkward flows. The lot gives you breathing room without demanding a sprawling yard. It's the rare find among homes for sale in Norfolk that checks multiple boxes without compromise.

COTTAGE LINE and the Norfolk real estate market

Sturgis Street sits in a residential pocket of Norfolk where tree-lined blocks and single-family homes create a settled, neighborly feel. The streets are quiet without being isolated—you're surrounded by other homeowners who've chosen to stay put. Norfolk itself is a living, working city with a deep maritime heritage and a growing downtown. Getting around is straightforward: major roads connect you to shopping, dining, and services across the city. Naval Station Norfolk anchors the local economy and culture, and the base proximity shapes the neighborhood's character—stable, service-oriented, and built for people who value reliability. If you're comparing homes for sale in 23503, you'll notice this address sits in one of the more grounded, unpretentious corners of the zip code.

What's nearby

Daily errands are close by. Grocery stores, pharmacies, and casual dining are within a few minutes' drive. Norfolk's downtown waterfront—with its restaurants, museums, and parks—is about fifteen minutes away. JEB Little Creek-Fort Story is nine minutes south. The neighborhood itself has the feel of a place where neighbors know the street, and that accessibility to both base life and civilian Norfolk makes it a natural fit for people balancing both worlds.

For different buyers

Base commute and VA loan notes

Eight minutes to Naval Station Norfolk puts you ahead of most commutes. VA loan financing is common in this neighborhood—lenders know the area well. The five-bedroom layout and established home mean you can move in without major surprises, and the location lets you keep your commute short while building equity in a stable market.

Room to grow

Five bedrooms give you space for kids, a home office, and guests without feeling cramped. Four full baths mean mornings run smoother. The 3,442 square feet spreads across a practical floor plan—no wasted hallways. A fenced yard offers outdoor room, and the 2006 build means solid systems you can count on for years.

More buyer questions

How far is 9640 Sturgis Street from Naval Station Norfolk?

About eight minutes by car, depending on traffic and your destination on base. It's one of the shorter commutes you'll find in Norfolk.

What is the square footage and layout of this home?

The home is 3,442 square feet with five bedrooms and four bathrooms. The floor plan is open and practical, designed for both daily living and flexibility.

When was this house built?

The home was built in 2006, so it has modern systems and construction standards with enough age to be settled into the neighborhood.

Are there homes for sale zoned for Norview High School in this area?

Yes, this address is zoned for homes for sale zoned for Norview High School. Contact the local education office for current boundary details.

How close is JEB Little Creek-Fort Story?

JEB Little Creek-Fort Story is about nine minutes south. It's a reasonable secondary commute if you have ties to that base.

Ready to explore this five-bedroom home in Norfolk? Reach out to Tom and Dariya Milan at LPT Realty to schedule a tour and learn more.

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

By subscribing you agree to receive listing emails from Tom & Dariya Milan, Realtors, at most one a day. Unsubscribe anytime · Privacy PolicyBrokered by LPT Realty

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 neighborhood on the water in Norfolk, Virginia. It is known for its access to the Chesapeake Bay and its maritime feel. Homes range from modest single-family houses to cottages on the water.

$400K

Median sale · 12 mo

$254

Sold $/sq ft

31d

Days on market

70

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 20, 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.

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

Free, no obligation — your inquiry goes to Tom & Dariya, never resold.

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.

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