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Single Family ResidenceResidential
$156,365$233 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

523 SPECTATOR ST

PORTSMOUTH, VA 23701
2
Beds
1
Baths
672 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1940
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$156K
$143K low$170K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$128,665
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$102,932
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.17%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$27,700
WACHOVIA BANK NA · E · recorded Oct 5, 2004

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,030 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$148,010 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$61,880
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$86,130
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$147,480
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$148,010

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.7 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyPORTSMOUTH CITY
Lot (acres)The size of the land the home sits on, from county records.0.20
ConstructionThe main material the home's frame and walls are built from.Brick
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.None
PoolWhether the property has a pool, and what kind, such as in-ground.No

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
William E. Waters Middle SchoolD-
Middle · Grades 7–8 · 0.7 mi
E
Hodges Manor Elementary SchoolD
Elementary · Grades KG–6 · 1.7 mi
H
I. C. Norcom High SchoolD-
High · Grades 9–12 · 3.0 mi

District: Portsmouth City Public Schools

Neighborhood · ZIP 23701These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.104
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.32

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.24,188
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,871 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$66,262
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$83,276
Average tempThe average temperature here across a full year.59°F
Annual precipHow much rain and melted snow falls here in a typical year.48 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

523 Spectator St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 96% of homes in Portsmouth 23701
  • Costs more per square foot than 87% of homes in Portsmouth city County
  • Among the smallest homes in Portsmouth 23701
  • Older than 93% of homes in Portsmouth 23701

What homes are worth in Portsmouth 23701

Each bar is how many homes fall in that price range. The marker is this home.

This home
$111K$489K

This home is worth more than 4% of homes in Portsmouth 23701.

How it measures up in Portsmouth 23701

The dot is this home. The mark in the middle is the typical home in Portsmouth 23701.

Estimated value$156,365
CheaperTypical $271,058Pricier

Pricier than 4% of homes nearby

Price per ft²$233
CheaperTypical $203Pricier

Pricier than 78% of homes nearby

Living area672 ft²
SmallerTypical 1,350 ft²Bigger

Smaller than almost all homes nearby

Lot size0.2 ac
SmallerTypical 0.22 acBigger

Bigger than 41% of homes nearby

Year built1940
OlderTypical 1960Newer

Newer than 7% of homes nearby

How 523 Spectator St ranks against every home in each area.
MeasureThis homePortsmouth 23701Portsmouth city County
Estimated valuepricier than$156,3654% of homes5% of homes
Price per ft²pricier than$23378% of homes87% of homes
Living areabigger than672 ft²almost no homesalmost no homes
Lot sizebigger than0.2 ac41% of homes49% of homes
Year builtnewer than19407% of homes17% of homes

About 523 Spectator St

How much is 523 Spectator St, Portsmouth, VA worth?

The TopHap Estimate for 523 Spectator St, Portsmouth, VA is $156,365 as of Jul 14, 2026. The likely range is $142,740 to $169,990. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 523 Spectator St, Portsmouth, VA last sell?

523 Spectator St, Portsmouth, VA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 523 Spectator St, Portsmouth, VA?

523 Spectator St, Portsmouth, VA has 2 bedrooms, 1 bathrooms, 672 square feet of living space and a 0.20-acre lot.

When was 523 Spectator St, Portsmouth, VA built?

523 Spectator St, Portsmouth, VA was built in 1940, making it 86 years old. It is a ranch home. The building has 1 story.

What schools serve 523 Spectator St, Portsmouth, VA?

523 Spectator St, Portsmouth, VA is assigned to William E. Waters Middle School (middle), rated D-; Hodges Manor Elementary School (elementary), rated D; I. C. Norcom High School (high), rated D-. All sit in Portsmouth City Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 523 Spectator St, Portsmouth, VA compare to other homes in Portsmouth 23701?

Among the 9,352 homes in Portsmouth 23701, it is worth more than 4% of them ($156,365 against a typical $271,058), its price per square foot is higher than 78% of them ($233 against a typical $203), it is bigger than almost none of them (672 ft² against a typical 1,350 ft²), its lot is bigger than 41% of them (0.2 ac against a typical 0.22 ac) and it is newer than 7% of them (1940 against a typical 1960). Measured against all of Portsmouth city County, it is worth more than 5% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 523 Spectator St, Portsmouth, VA?

The 2025 property tax bill for 523 Spectator St, Portsmouth, VA was $2,030. The county assessed it at $148,010.

Closest homes

More homes in Portsmouth 23701

Assigned schools

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