2 Beach Ter, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 2 Beach Ter, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,926 sqft · built 1904
Lot Size	0.128 acres (5,576 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Feb 2017)
Tax Bill	$1,105 (2025)
Deeds & Mortgages	Sep 2020 Refinance Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3A2-2-74-2`

Property Details

APN / Parcel Number

Primary APN	`3A2-2-74-2`
Alternative APN	`24319`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,926 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	5,576 sqft (0.128 acres)
Porch	Enclosed Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	24319
Old Parcel Number	3A2-2-74-2
Street Address	2 BEACH TER
City	COLONIAL BEACH
State	VA
Zip	22443-2302
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DB
Legal Description	LOT 2 BK 74 .128AC DB 892 PG 1162 R/S
Legal Block	74
Legal Lot Number	2
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2018
Census Tract	10402

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Colonial Beach Commercial Historic District listed 2021 · 85 contributing resources · NRIS 100006984

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	3147 KINROSS CIR, HERNDON, VA 20171-4041
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance SWBC MORTGAGE CORP
Feb 24, 2017	Special Warranty Deed, Transfer · Conventional Mortgage C & F MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2017 · Amount on Record
Deed Sale	Feb 24, 2017 · Amount on Record
Deed Document Number	0008921162
Deed Book / Page	892 / 1162
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	2 BEACH TER, COLONIAL BEACH, VA 22443-2302
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009350621
Date	Sep 4, 2020
Instrument	09350621

Lender

Name	SWBC MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate

February 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Feb 24, 2017
Property Address	2 BEACH TER, COLONIAL BEACH, VA 22443-2302
Document Number	0008921162
Instrument Date	Feb 24, 2017
Instrument	08921162
Transaction Type	Transfer
Record Updated	Jan 13, 2022
Title Company	LAWYERS TITLE

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	3147 KINROSS CIR, HERNDON, VA 20171-4041

Mortgage

Document Number	0008921165
Date	Feb 24, 2017
Instrument	08921165

Lender

Name	C & F MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$1,105.00 (+5.04%)	$263,200 (-) Land $94,500 Building $168,700	$263,200 (-) Land $94,500 Building $168,700
2023		$263,200 Land $94,500 Building $168,700	$263,200 Land $94,500 Building $168,700
2022	$1,052.00

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 95 individual policies
Nearby Flood Policies	103 units insured incl. 8 condo units
Nearby Flood Claims	3 (2015–2023)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Nov 2023 · 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 98% of the US · lower than 96% of Maryland
Wildfire Likelihood	Under 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 167 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

Cell Coverage

5G (outdoors only) and 4G LTE

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