128 7th St, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 128 7th St, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,169 sqft · built 1989
Owner	Individual Name on Record
Last Sale	$340,000 (Dec 2025)
Tax Bill	$812 (2025)
Deeds & Mortgages	May 2020 Mortgage May 2019 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`3A3-1-15C-52`

Property Details

APN / Parcel Number

Primary APN	`3A3-1-15C-52`
Alternative APN	`21283`

Interior

Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,169 sqft Living Area
Interior Walls	Plaster

Exterior

Year Built	Built 1989
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Material	Composition Shingle
Porch	Enclosed Porch
Deck Area	296 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	21283
Old Parcel Number	3A3-1-15C-52
Street Address	128 7TH ST
City	COLONIAL BEACH
State	VA
Zip	22443-1604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOTS 52 53 54 BK 15C DB 954 PG 1966
Legal Subdivision	CLASSIC SHORES
Legal Block	15C
Legal Lot Number	52 53
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1019
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	250 PARK AVE, MOUNT JOY, PA 17552-1526
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
May 7, 2019	Deed of Trust, Mortgage · VA Mortgage HOMBRIDGE FINANCIAL SERVICES INC
Nov 12, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION
Dec 18, 2025	Deed, Transfer · VA Mortgage MUTUAL OF OMAHA MORTGAGE INC
Apr 26, 2022	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HOME LOANS
Aug 14, 2018	Warranty Deed, Transfer · VA Mortgage C&F MORTGAGE CORPORATION
Aug 14, 2018	Warranty Deed, Transfer MBH SETTLEMENT GROUP LC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2025 · Amount on Record
Deed Sale	Dec 18, 2025 · Amount on Record
Prior Sale	Apr 26, 2022 · Amount on Record
Deed Document Number	0009981432
Deed Book / Page	998 / 1432
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	128 7TH ST, COLONIAL BEACH, VA 22443-1604
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009311191
Date	May 20, 2020
Instrument	09311191

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	May 1, 2049

Interest

Rate Type	Fixed Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	128 7TH ST, COLONIAL BEACH, VA 22443-1604
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009190238
Date	May 7, 2019
Instrument	09190238

Lender

Name	HOMBRIDGE FINANCIAL SERVICES INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Apr 1, 2048

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	128 7TH ST, COLONIAL BEACH, VA 22443-1604
Transaction Type	Mortgage
Record Updated	Jan 7, 2026
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009371315
Date	Nov 12, 2020
Instrument	09371315

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	326 Months
Due	Jan 6, 2048

Interest

Rate Type	Fixed Rate

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Dec 18, 2025
Property Address	128 7TH ST, COLONIAL BEACH, VA 22443-1604
Document Number	00998/1432
Book / Page	998 / 1432
Instrument Date	Dec 11, 2025
Transaction Type	Transfer
Record Updated	Jan 7, 2026
Title Company	HOMELAND TITLE AND ESCROW AGENCY LLC, HOMELAND TTL STLMT AGCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$850.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	250 PARK AVE, MOUNT JOY, PA 17552-1526

Mortgage

Document Number	0009981434
Date	Dec 18, 2025
Instrument	998/1434

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Apr 26, 2022
Property Address	128 7TH ST, COLONIAL BEACH, VA 22443-1604
Document Number	0009541966
Instrument Date	Apr 25, 2022
Instrument	09541966
Transaction Type	Transfer
Record Updated	May 25, 2022
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

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	128 7TH ST, COLONIAL BEACH, VA 22443-1604

Mortgage

Document Number	0009541968
Date	Apr 26, 2022
Instrument	09541968

Lender

Name	VETERANS UNITED HOME LOANS

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Aug 14, 2018
Property Address	128 7TH ST, COLONIAL BEACH, VA 22443-1604
Document Number	0009100762
Instrument Date	Aug 7, 2018
Instrument	09100762
Transaction Type	Transfer
Record Updated	Jan 13, 2022
Title Company	MBH SETTLEMENT GROUP LC

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	128 7TH ST, COLONIAL BEACH, VA 22443-1604

Mortgage

Document Number	0009100764
Date	Aug 14, 2018
Instrument	09100764

Lender

Name	C&F MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Aug 14, 2018
Property Address	128 7TH ST, COLONIAL BEACH, VA 22443-1604
Document Number	09100762
Instrument Date	Aug 7, 2018
Instrument	09100762
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	MBH SETTLEMENT GROUP LC

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	128 7TH ST, COLONIAL BEACH, VA 22443-1604

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	$812.00 (+4.91%)	$193,500 (-) Land $47,500 Building $146,000	$193,500 (-) Land $47,500 Building $146,000
2023		$193,500 Land $47,500 Building $146,000	$193,500 Land $47,500 Building $146,000
2022	$774.00

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 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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