220 5th St, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 220 5th St, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,693 sqft · built 2013
Lot Size	0.061 acres (2,680 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Apr 2026)
Tax Bill	$1,013 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3A3 129C 46A`

Property Details

APN / Parcel Number

Primary APN	`3A3 129C 46A`
Alternative APN	`20599`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	1,693 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	2,680 sqft (0.061 acres)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	20599
Street Address	220 5TH ST
City	COLONIAL BEACH
State	VA
Zip	22443-1710
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 46 AND 47 BK 29C BEING LOT 46A PER PLATDB 863 PG 489 R/S
Legal Subdivision	CLASSIC SHORES SUBDIVISION
Legal Block	29C
Legal Lot Number	46-47
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1043
Census Tract	10402

Owner

Source: Westmoreland County records, as of July 2, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	220 5TH ST, COLONIAL BEACH, VA 22443-1710
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Deed, Transfer · FHA Mortgage FREEDOM BANK OF AMERICA
Apr 13, 2026	Deed, Transfer · FHA Mortgage FREEDOM BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2026 · Amount on Record
Deed Sale	Apr 13, 2026 · Amount on Record
Prior Sale	Jul 24, 2025 · Amount on Record
Deed Book / Page	1002 / 878
Record Updated	Sep 20, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Apr 13, 2026
Property Address	220 5TH ST, COLONIAL BEACH, VA 22443-1710
Document Number	1002000878
Book / Page	1002 / 878
Instrument Date	Apr 10, 2026
Transaction Type	Transfer
Record Updated	Apr 22, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35,855.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	220 5TH ST, COLONIAL BEACH, VA 22443-1710

Mortgage

Document Number	1002000880,
Date	Apr 13, 2026
Book Page	1002/880

Lender

Name	FREEDOM BANK OF AMERICA

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Apr 13, 2026
Property Address	220 5TH ST, COLONIAL BEACH, VA 22443-1710
Document Number	001002/878
Book / Page	1002 / 878
Instrument Date	Apr 10, 2026
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35,855.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	220 5TH ST, COLONIAL BEACH, VA 22443-1710

Mortgage

Document Number	1002000880,
Date	Apr 13, 2026
Book Page	1002/880

Lender

Name	FREEDOM BANK OF AMERICA

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	5.49%
Max Rate	-1%

Tax Assessment & Valuation

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	$1,013.00 (+5.08%)	$241,200 (-) Land $39,200 Building $202,000	$241,200 (-) Land $39,200 Building $202,000
2023		$241,200 Land $39,200 Building $202,000	$241,200 Land $39,200 Building $202,000
2022	$964.00

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 466 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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