102 5th St, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 102 5th St, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,390 sqft · built 2006
Owner	Individual Name on Record
Last Sale	$370,000 (Jun 2022)
Tax Bill	$1,218 (2025)
Deeds & Mortgages	May 2023 Mortgage Jun 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3A3-1-13C-1`

Property Details

APN / Parcel Number

Primary APN	`3A3-1-13C-1`
Alternative APN	`23290`

Interior

Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,390 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Composition Shingle
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	23290
Old Parcel Number	3A3-1-13C-1
Street Address	102 5TH ST
City	COLONIAL BEACH
State	VA
Zip	22443-1708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOTS 1,64 & SM PT 63 BK 13CDB 956 PG 816 R/S
Legal Block	13C
Legal Lot Number	1A 64
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1021
Census Tract	10402

Owner

Source: Westmoreland County records, as of January 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	20 N ST SW, WASHINGTON, DC 20024-4163
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 14, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Aug 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PENTAGON FEDERAL CREDIT UNION
Jul 2, 2019	Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2022 · Amount on Record
Deed Sale	Jun 14, 2022 · Amount on Record
Prior Sale	Jul 2, 2019 · Amount on Record
Deed Document Number	09560816
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	102 5TH ST, COLONIAL BEACH, VA 22443-1708
Transaction Type	Mortgage
Record Updated	May 24, 2023
Title Company	LAWYERS TITLE SERVICES LLC, LAWYERS TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009670229
Date	May 3, 2023
Instrument	09670229

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Fixed Rate

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Jun 14, 2022
Property Address	102 5TH ST, COLONIAL BEACH, VA 22443-1708
Document Number	0009560816
Instrument Date	Jun 13, 2022
Instrument	09560816
Transaction Type	Transfer
Record Updated	Jun 22, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 N ST SW, WASHINGTON, DC 20024-4163

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	102 5TH ST, COLONIAL BEACH, VA 22443-1708
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009462614
Date	Aug 26, 2021
Instrument	9462614

Lender

Name	PENTAGON FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.25%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Jul 2, 2019
Property Address	102 5TH ST, COLONIAL BEACH, VA 22443-1708
Document Number	0009210158
Instrument Date	Jul 1, 2019
Instrument	09210158
Transaction Type	Transfer
Record Updated	Jan 13, 2022
Title Company	LAWYERS TITLE, LAWYERS TITLE/WESTMORELAND

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 5TH ST, COLONIAL BEACH, VA 22443-1708

Mortgage

Document Number	0009210160
Date	Jul 2, 2019
Instrument	09210160

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Westmoreland County assessment roll, as of October 15, 2025

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Colonial Beach Town
County	Westmoreland County
Unified School District	Colonial Beach Town Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,218.00 (+5%)	$290,200 (-) Land $39,300 Building $250,900	$290,200 (-) Land $39,300 Building $250,900
2023		$290,200 Land $39,300 Building $250,900	$290,200 Land $39,300 Building $250,900
2022	$1,160.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 22, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 20 individual policies
Nearby Flood Policies	53 units insured incl. 33 condo units
Nearby Flood Claims	2 (2006–2021)
Most Recent Claim	Oct 2021 · other causes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF COLONIAL BEACH serves 3,875 people · EPA ID VA4193280
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 466 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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