151 12th St, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 151 12th St, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,758 sqft · built 2006
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$309,990 (Feb 2007)
Tax Bill	$1,282 (2025)
Deeds & Mortgages	Aug 2020 Refinance Apr 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`3A4-6-A-11`

Property Details

APN / Parcel Number

Primary APN	`3A4-6-A-11`
Alternative APN	`25725`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,758 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Deck Area	49 sqft
Patio Area	49 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	25725
Old Parcel Number	3A4-6-A-11
Street Address	151 12TH ST
City	COLONIAL BEACH
State	VA
Zip	22443-1511
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT CLASSIC SHORES SWALLOW ESTATES SEC 1BK A LOT 11 .11AC
Legal Subdivision	CLASSIC SHORES SWALLOW ESTATES
Legal Block	A
Legal Lot Number	11
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3004
Census Tract	10402

Owner

151 12th St is owned and occupied by an individual who acquired it in June 2024.

Source: Westmoreland County records, as of January 7, 2026

Owner of Record	Individual Name on File
Mailing Address	151 12TH ST, COLONIAL BEACH, VA 22443-1511
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
Aug 11, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MR COOPER
Apr 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOWER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2007 · Amount on File
Deed Sale	Feb 27, 2007 · Amount on File
Prior Sale	Feb 27, 2007 · Amount on File
Deed Document Number	000757/572
Deed Book / Page	757 / 572
Last Transfer Date	Jun 21, 2024
Transfer Doc	0009801577
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	151 12TH ST, COLONIAL BEACH, VA 22443-1511
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009340916
Date	Aug 11, 2020
Instrument	09340916

Lender

Name	MR COOPER

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	151 12TH ST, COLONIAL BEACH, VA 22443-1511
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	MEY MAX TITLE AGENCY, MEYMAX TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009421989
Date	Apr 20, 2021
Instrument	09421989

Lender

Name	LOWER

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	359 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.5%

Tax Assessment & Valuation

The 2025 property tax bill for 151 12th St was $1,282.

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	$1,282.00	$305,400 Land $39,200 Building $266,200	$305,400 Land $39,200 Building $266,200
2023		$305,400 Land $39,200 Building $266,200	$305,400 Land $39,200 Building $266,200
2022	$1,221.00

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

Flood

FEMA maps place 151 12th 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 151 12th 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	Direct burnable vegetation

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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 12th St

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