11 1st St, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 11 1st St, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,609 sqft · built 2004
Owner	Individual Name on Record
Last Sale	$365,000 (Apr 2026)
Tax Bill	$1,137 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Jan 2026 Second Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`3A3 205B 1A`

Property Details

APN / Parcel Number

Primary APN	`3A3 205B 1A`
Alternative APN	`22496`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,609 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Composition Shingle
Garage Area	361 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	22496
Street Address	11 1ST ST
City	COLONIAL BEACH
State	VA
Zip	22443-1859
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	LOT 1A BK 05B DB 899 PG 1424
Legal Subdivision	TOWN OF COL BCH
Legal Block	5B
Legal Lot Number	1A
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1013
Census Tract	10402

Owner

Source: Westmoreland County records, as of June 3, 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
Mailing Address	5351 FOX RUN LN, HUME, VA 22639-1734
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2018	Deed of Trust, Mortgage · VA Mortgage CBC NATIONAL BANK MORTGAGE
Jan 8, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOANDEPOT.COM LLC
Jun 14, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Jul 15, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Apr 9, 2026	Deed, Transfer · Conventional Mortgage AMERICAN NBRHD MORTGAGE ACCPTNC
Apr 9, 2026	Deed, Transfer · Conventional Mortgage AMERICAN HOME MORTGAGE ACCEPT
Jun 14, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Oct 31, 2018	Deed of Trust, Mortgage · VA Mortgage CBC NATIONAL BANK MORTGAGE
Jul 15, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Sep 22, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HOME LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2026 · Amount on Record
Deed Sale	Apr 9, 2026 · Amount on Record
Prior Sale	Sep 22, 2017 · Amount on Record
Deed Document Number	2026
Deed Book / Page	1002 / 626
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	11 1ST ST, COLONIAL BEACH, VA 22443-1859
Transaction Type	Mortgage
Record Updated	May 18, 2026
Title Company	ADVANTAGE TITLE INC, ADVANTAGE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009121819
Date	Oct 31, 2018
Instrument	09121819

Lender

Name	CBC NATIONAL BANK MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Fixed Rate

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	11 1ST ST, COLONIAL BEACH, VA 22443-1859
Transaction Type	Mortgage
Record Updated	May 18, 2026
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000999/354
Date	Jan 8, 2026
Book Page	999/354

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2046

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	11 1ST ST, COLONIAL BEACH, VA 22443-1859
Transaction Type	Mortgage
Record Updated	May 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009441314
Date	Jun 14, 2021
Instrument	09441314

Lender

Name	LOANDEPOT.COM LLC

Agreement

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

Interest

Rate Type	Fixed Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	11 1ST ST, COLONIAL BEACH, VA 22443-1859
Transaction Type	Mortgage
Record Updated	May 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009210689
Date	Jul 15, 2019
Instrument	09210689

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Fixed Rate

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Apr 9, 2026
Property Address	11 1ST ST, COLONIAL BEACH, VA 22443-1859
Document Number	1002000626
Book / Page	1002 / 626
Instrument Date	Apr 6, 2026
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$36,865.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	5351 FOX RUN LN, HUME, VA 22639-1734

Mortgage

Document Number	1002000629,
Date	Apr 9, 2026
Book Page	1002/629

Lender

Name	AMERICAN NBRHD MORTGAGE ACCPTNC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Apr 9, 2026
Property Address	11 1ST ST, COLONIAL BEACH, VA 22443-1859
Document Number	001002/626
Book / Page	1002 / 626
Instrument Date	Apr 6, 2026
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$36,865.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	5351 FOX RUN LN, HUME, VA 22639-1734

Mortgage

Document Number	1002000629,
Date	Apr 9, 2026
Book Page	1002/629

Lender

Name	AMERICAN HOME MORTGAGE ACCEPT

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	11 1ST ST, COLONIAL BEACH, VA 22443-1859
Transaction Type	Mortgage
Record Updated	Jul 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09441314
Date	Jun 14, 2021
Instrument	09441314

Lender

Name	LOANDEPOT.COM LLC

Agreement

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

Interest

Rate Type	Fixed Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	11 1ST ST, COLONIAL BEACH, VA 22443-1859
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ADVANTAGE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09121819
Date	Oct 31, 2018
Instrument	09121819

Lender

Name	CBC NATIONAL BANK MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Fixed Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	11 1ST ST, COLONIAL BEACH, VA 22443-1859
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09210689
Date	Jul 15, 2019
Instrument	09210689

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Fixed Rate

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Sep 22, 2017
Property Address	11 1ST ST, COLONIAL BEACH, VA 22443-1859
Document Number	0008991424
Instrument Date	Sep 22, 2017
Instrument	8991424
Transaction Type	Transfer
Record Updated	Jan 13, 2022
Title Company	NOT AVAILABLE, MULTIPLE

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	11 1ST ST, COLONIAL BEACH, VA 22443-1859

Mortgage

Document Number	0008991426
Date	Sep 22, 2017
Instrument	8991426

Lender

Name	VETERANS UNITED HOME LOANS

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Westmoreland County assessment roll, as of January 8, 2026

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	$1,137.00 (+4.99%)	$270,800 (-) Land $47,500 Building $223,300	$270,800 (-) Land $47,500 Building $223,300
2023		$270,800 Land $47,500 Building $223,300	$270,800 Land $47,500 Building $223,300
2022	$1,083.00

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 VE, 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 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 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 23 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 1st St

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