117 1st St, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 117 1st St, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,154 sqft · built 1960
Lot Size	0.082 acres (3,603 sqft)
Owner	Individual Name on Record
Last Sale	$279,000 (Oct 2025)
Tax Bill	$620 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jan 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3A3-1-10C-20`

Property Details

APN / Parcel Number

Primary APN	`3A3-1-10C-20`
Alternative APN	`23961`

Interior

Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,154 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Metal
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	3,603 sqft (0.082 acres)
Porch	Patio

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	23961
Street Address	117 1ST ST
City	COLONIAL BEACH
State	VA
Zip	22443-1855
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOTS 20 & 21 BK 10C DB 984 PG 1596
Legal Subdivision	CLASSIC SHORE SD
Legal Block	10C
Legal Lot Number	20-21
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1039
Census Tract	10402

Owner

Source: Westmoreland County records, as of April 2, 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	119 1ST ST, COLONIAL BEACH, VA 22443-1855
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jan 24, 2022	Warranty Deed, Transfer · Conventional Mortgage OVM FINANCIAL INC
Dec 6, 2021	Intrafamily Transfer, Transfer
Dec 6, 2021	Intrafamily Transfer, Transfer · Stand-Alone Refinance SOFI LENDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2025 · Amount on Record
Deed Sale	Oct 6, 2025 · Amount on Record
Prior Sale	Oct 21, 2024 · Amount on Record
Deed Document Number	20253196
Deed Book / Page	996 / 434
Prior Transfer Date	Oct 26, 2021
Prior Transfer Doc	0009500322
Record Updated	Sep 20, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Oct 6, 2025
Property Address	117 1ST ST, COLONIAL BEACH, VA 22443-1855
Document Number	000996/434
Book / Page	996 / 434
Instrument Date	Sep 30, 2025
Transaction Type	Transfer
Record Updated	Oct 22, 2025
Title Company	TERRY TITLE, TERRYS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$697.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 1ST ST, COLONIAL BEACH, VA 22443-1855

Mortgage

Document Number	0000996437
Date	Oct 6, 2025
Instrument	996/437

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Jan 24, 2022
Property Address	117 1ST ST, COLONIAL BEACH, VA 22443-1855
Document Number	0009511731
Instrument Date	Jan 21, 2022
Instrument	09511731
Transaction Type	Transfer
Record Updated	Feb 2, 2022
Title Company	LAWYERS TITLE, LAWYERS TITLE OF WESTMORELND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	117 1ST ST, COLONIAL BEACH, VA 22443-1855

Mortgage

Document Number	0009511733
Date	Jan 24, 2022
Instrument	09511733

Lender

Name	OVM FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WESTMORELAND VA
Recording Date	Dec 6, 2021
Property Address	117 1ST ST, COLONIAL BEACH, VA 22443-1855
Document Number	0009500318
Instrument Date	Oct 26, 2021
Instrument	09500318
Transaction Type	Transfer
Record Updated	Jan 5, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5909 COAKLEY DR, JERSEY, VA 22481

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WESTMORELAND VA
Recording Date	Dec 6, 2021
Property Address	117 1ST ST, COLONIAL BEACH, VA 22443-1855
Document Number	0009500322
Instrument Date	Oct 26, 2021
Instrument	09500322
Transaction Type	Transfer
Record Updated	Jan 5, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5909 COAKLEY DR, JERSEY, VA 22481

Mortgage

Document Number	0009500325
Date	Dec 6, 2021
Instrument	09500325

Lender

Name	SOFI LENDING CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.88%

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	$620.00	$147,700 (-) Land $39,200 Building $108,500	$147,700 (-) Land $39,200 Building $108,500
2024	$620.00 (+5.08%)	$147,700 (-) Land $39,200 Building $108,500	$147,700 (-) Land $39,200 Building $108,500
2023		$147,700 Land $39,200 Building $108,500	$147,700 Land $39,200 Building $108,500
2022	$590.00

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
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	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

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