123 3rd St, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 123 3rd St, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	6 bd · 2 ba · 1,677 sqft · built 2022
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$318,000 (Aug 2022)
Tax Bill	$1,072 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Nov 2019 Sale & Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3A3 112C 16`

Property Details

APN / Parcel Number

Primary APN	`3A3 112C 16`
Alternative APN	`20778`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,677 sqft Living Area

Exterior

Year Built	Built 2022
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Porch	Open Porch
Porch Area	133 sqft
Deck Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	20778
Street Address	123 3RD ST
City	COLONIAL BEACH
State	VA
Zip	22443-1820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOTS 16 & 17 BK 12C DB 958 PG 1087 R/S
Legal Block	12C
Legal Lot Number	16-17
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1022
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	23 BELLS RIDGE DR, STAFFORD, VA 22554-8423
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Nov 26, 2019	Warranty Deed, Transfer · Stand-Alone Second Mortgage ATLANTIC UNION BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2022 · Amount on Record
Deed Sale	Aug 12, 2022 · Amount on Record
Prior Sale	Nov 26, 2019 · Amount on Record
Deed Document Number	09581087
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Aug 12, 2022
Property Address	123 3RD ST, COLONIAL BEACH, VA 22443-1820
Document Number	0009581087
Instrument Date	Aug 11, 2022
Instrument	09581087
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 14, 2022
Title Company	LAWYERS TITLE OF NEVADA, LAWYERS TITLE OF WESTMORLAND

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	23 BELLS RIDGE DR, STAFFORD, VA 22554-8423

Mortgage

Document Number	0009581090
Date	Aug 12, 2022
Instrument	09581090

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Nov 26, 2019
Property Address	123 3RD ST, COLONIAL BEACH, VA 22443-1820
Document Number	0009251402
Instrument Date	Nov 8, 2019
Instrument	09251402
Transaction Type	Transfer
Record Updated	Nov 24, 2022
Title Company	LAWYERS TITLE, LAWYERS TITLE/WESTMORELAND

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 160, COLONIAL BEACH, VA 22443-0160
Investor	Possibly a Property Investor

Mortgage

Document Number	0009251411
Date	Nov 26, 2019
Instrument	09251411

Lender

Name	ATLANTIC UNION BANK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable 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	$1,072.00 (+438.69%)	$255,300 (-) Land $39,200 Building $216,100	$255,300 (-) Land $39,200 Building $216,100
2023		$255,300 Land $39,200 Building $216,100	$255,300 Land $39,200 Building $216,100
2022	$199.00

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	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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