209 Cedar Ave, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 209 Cedar Ave, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,820 sqft · built 1988
Owner	2 Individual Names on File
Tax Bill	$676 (2025)
Deeds & Mortgages	May 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`3A4-2-13-4`

Property Details

APN / Parcel Number

Primary APN	`3A4-2-13-4`
Alternative APN	`22626`

Interior

Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,820 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Material	Composition Shingle
Parking Spaces	1 Parking Space
Porch	Open Porch
Deck Area	204 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	22626
Old Parcel Number	3A4-2-13-4
Street Address	209 CEDAR AVE
City	COLONIAL BEACH
State	VA
Zip	22443-4837
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DB
Legal Description	BLUFF PT LOT 4 BK 13DB 368 PG 105
Legal Block	13
Legal Lot Number	4
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3000
Census Tract	10402

Owner

209 Cedar Ave is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	209 CEDAR AVE, COLONIAL BEACH, VA 22443-4837
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Deed Document Number	0000368105
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Recording Date	May 1, 2026
Property Address	209 CEDAR AVE, COLONIAL BEACH, VA 22443-4837
Document Number	1003000048
Book / Page	1003 / 48
Instrument Date	Apr 7, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	209 CEDAR AVE, COLONIAL BEACH, VA 22443-4837
Investor	Possibly a Property Investor

Mortgage

Document Number	1003000048,
Date	May 1, 2026
Book Page	1003/48

Lender

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 7, 2041

Interest

Rate	5.5%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 209 Cedar Ave was $676.

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	$676.00	$161,000 Land $47,500 Building $113,500	$161,000 Land $47,500 Building $113,500
2023		$161,000 Land $47,500 Building $113,500	$161,000 Land $47,500 Building $113,500
2022	$644.00

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

Flood

FEMA maps place 209 Cedar Ave 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 209 Cedar Ave 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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20