Westmoreland County property record for 118 N Cedar Ln, Colonial Beach, VA 22443
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,568 sqft · built 2018 |
| Owner | Individual Name on Record |
| Last Sale | $270,000 (Jul 2022) |
| Tax Bill | $1,549 (2025) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Feb 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 6H-1-70 |
| Primary APN | 6H-1-70 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,568 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Material | Composition Shingle |
| Porch | Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 16999 |
|---|---|
| Old Parcel Number | 6H-1-70 |
| Street Address | 118 N CEDAR LN |
| City | COLONIAL BEACH |
| State | VA |
| Zip | 22443-4205 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF |
| Legal Description | POTOMAC SHORES LOT 70 SEC 1DB 957 PG 1626 R/S |
| Legal Subdivision | POTOMAC SHORES |
| Legal Lot Number | 70 |
| Jurisdiction | WESTMORELAND VA |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 10401 |
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 | 118 N CEDAR LN, COLONIAL BEACH, VA 22443-4205 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 20, 2022 | Warranty Deed, Transfer · VA Mortgage EMBRACE HOME LOANS INC |
| Feb 16, 2018 | Deed of Trust, Mortgage · Commercial Mortgage PEOPLES COMMUNITY BANK |
| Jul 10, 2018 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage C&F MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 20, 2022 · Amount on Record |
| Deed Sale | Jul 20, 2022 · Amount on Record |
| Prior Sale | Jul 10, 2018 · Amount on Record |
| Deed Document Number | 09571626 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTMORELAND VA |
| Recording Date | Jul 20, 2022 |
| Property Address | 118 N CEDAR LN, COLONIAL BEACH, VA 22443-4205 |
| Document Number | 0009571626 |
| Instrument Date | Jul 12, 2022 |
| Instrument | 09571626 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2022 |
| Title Company | NOT AVAILABLE, THE AMERICAS TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 118 N CEDAR LN, COLONIAL BEACH, VA 22443-4205 |
| Document Number | 0009571628 |
|---|---|
| Date | Jul 20, 2022 |
| Instrument | 09571628 |
| Name | EMBRACE HOME LOANS INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTMORELAND VA |
| Property Address | 118 N CEDAR LN, COLONIAL BEACH, VA 22443-4205 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 9040841 |
|---|---|
| Date | Feb 16, 2018 |
| Instrument | 9040841 |
| Name | PEOPLES COMMUNITY BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTMORELAND VA |
| Recording Date | Jul 10, 2018 |
| Property Address | 118 N CEDAR LN, COLONIAL BEACH, VA 22443-4205 |
| Document Number | 0009090395 |
| Instrument Date | Jul 5, 2018 |
| Instrument | 9090395 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 13, 2022 |
| Title Company | LAWYERS TITLE, LAWYERS TITLE/WESTMORELAND |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 118 N CEDAR LN, COLONIAL BEACH, VA 22443-4205 |
| Document Number | 0009090398 |
|---|---|
| Date | Jul 10, 2018 |
| Instrument | 9090398 |
| Name | C&F MORTGAGE CORP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Westmoreland County assessment roll, as of October 15, 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | Westmoreland County |
| Unified School District | Westmoreland County Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,549.00 (+10.72%) | $227,900 (+0.97%) Land $29,100 Building $198,800 | $227,900 (+0.97%) Land $29,100 Building $198,800 |
| 2023 | $1,399.00 | $225,700 Land $29,100 Building $196,600 | $225,700 Land $29,100 Building $196,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 22 policies |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 2 (2021) |
| Most Recent Claim | Oct 2021 · tidal / storm surge |
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | POTOMAC WESTMORELAND SHORES private · serves 1,743 people · EPA ID VA4193760 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 222 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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