127 11th St, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 127 11th St, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,086 sqft · built 1991
Lot Size	0.065 acres (2,847 sqft)
Owner	Individual Name on File
Last Sale	$127,259 (Jan 2008)
Tax Bill	$870 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3A3-1-20C-14`

Property Details

APN / Parcel Number

Primary APN	`3A3-1-20C-14`
Alternative APN	`21797`

Interior

Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,086 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	2,847 sqft (0.065 acres)
Porch	Slab
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	21797
Street Address	127 11TH ST
City	COLONIAL BEACH
State	VA
Zip	22443-1507
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	LOTS 14,15,16 BK 20C DB 796 PG 1272
Legal Block	20C
Legal Lot Number	14-16
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3004
Census Tract	10402

Owner

127 11th St is owned and occupied by an individual who acquired it in September 2025.

Source: Westmoreland County records, as of July 29, 2026

Owner of Record	Individual Name on File
Mailing Address	127 11TH ST, COLONIAL BEACH, VA 22443-1507
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION FEDERAL CREDIT UNION
Oct 6, 2025	Transfer on Death Deed, Transfer
Jul 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage TOPSIDE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2008 · Amount on File
Deed Sale	Jan 17, 2008 · Amount on File
Deed Book / Page	784 / 126
Last Transfer Date	Sep 30, 2025
Transfer Doc	000996/543
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Recording Date	Jul 16, 2026
Property Address	127 11TH ST, COLONIAL BEACH, VA 22443-1507
Document Number	1005000985
Book / Page	1005 / 985
Instrument Date	Jul 6, 2026
Transaction Type	Mortgage
Record Updated	Jul 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 11TH ST, COLONIAL BEACH, VA 22443-1507

Mortgage

Document Number	1005000985,
Date	Jul 16, 2026
Book Page	1005/985

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 6, 2036

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

October 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Oct 6, 2025
Property Address	127 11TH ST, COLONIAL BEACH, VA 22443-1507
Document Number	000996/543
Book / Page	996 / 543
Instrument Date	Sep 30, 2025
Transaction Type	Transfer
Record Updated	Oct 22, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	127 11TH ST, COLONIAL BEACH, VA 22443-1507

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	127 11TH ST, COLONIAL BEACH, VA 22443-1507
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09332385
Date	Jul 31, 2020
Instrument	09332385

Lender

Name	TOPSIDE FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 14, 2030

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 127 11th St was $870.

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	$870.00	$207,200 (-) Land $47,500 Building $159,700	$207,200 (-) Land $47,500 Building $159,700
2024	$870.00	$207,200 (-) Land $47,500 Building $159,700	$207,200 (-) Land $47,500 Building $159,700
2023		$207,200 Land $47,500 Building $159,700	$207,200 Land $47,500 Building $159,700
2022	$828.00

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

Flood

FEMA maps place 127 11th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2021)
Claims Outside the SFHA	2 of 2
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

Wildfire risk around 127 11th St is low, with a 0.01% annual chance of 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 319 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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