224 Cedar Ave, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 224 Cedar Ave, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,820 sqft · built 1985
Lot Size	0.334 acres (14,570 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Aug 2013)
Tax Bill	$937 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Nov 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3A4-2-12-16`

Property Details

APN / Parcel Number

Primary APN	`3A4-2-12-16`
Alternative APN	`22284`

Interior

Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,820 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	14,570 sqft (0.334 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Deck Area	168 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	22284
Street Address	224 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 LOTS 16 & 17 BK 12DB 875 PG 36
Legal Subdivision	HUTT & WARE/BLUFF PT FARM
Legal Block	12
Legal Lot Number	16-17
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3001
Census Tract	10402

Owner

224 Cedar Ave is owned and occupied by an individual who bought it in August 2013.

Source: Westmoreland County records, as of June 30, 2026

Owner of Record	Individual Name on File
Mailing Address	224 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

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage TOPLINE FEDERAL CREDIT UNION
Nov 14, 2022	Deed of Trust, Mortgage TOPSIDE FEDERAL CREDIT UNION
May 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance VIRGINIA COMMONWEALTH BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2013 · Amount on File
Deed Sale	Aug 23, 2013 · Amount on File
Deed Book / Page	850 / 1931
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Recording Date	Jun 22, 2026
Property Address	224 CEDAR AVE, COLONIAL BEACH, VA 22443-4837
Document Number	1004001695
Book / Page	1004 / 1695
Instrument Date	Jun 8, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	DOCUMENT RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 CEDAR AVE, COLONIAL BEACH, VA 22443-4837

Mortgage

Document Number	1004001695,
Date	Jun 22, 2026
Book Page	1004/1695

Lender

Name	TOPLINE FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 8, 2036

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	224 CEDAR AVE, COLONIAL BEACH, VA 22443-4837
Transaction Type	Mortgage
Record Updated	Dec 7, 2022
Title Company	DOCUMENT RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009610771
Date	Nov 14, 2022
Instrument	09610771

Lender

Name	TOPSIDE FEDERAL CREDIT UNION

Agreement

Amount	Amount on Record
Term	179 Months
Due	Oct 24, 2037

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	224 CEDAR AVE, COLONIAL BEACH, VA 22443-4837
Transaction Type	Mortgage
Record Updated	Jun 24, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09311604
Date	May 28, 2020
Instrument	09311604

Lender

Name	VIRGINIA COMMONWEALTH BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2035

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 224 Cedar Ave was $937.

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	$937.00	$223,300 Land $64,100 Building $159,200	$223,300 Land $64,100 Building $159,200
2023		$223,300 Land $64,100 Building $159,200	$223,300 Land $64,100 Building $159,200
2022	$893.00

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

Flood

FEMA maps place 224 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 224 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	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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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