227 12th St, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 227 12th St, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,976 sqft · built 2008
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Last Sale	$345,000 (Aug 2026)
Tax Bill	$958 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3A3-1-21C-14`

Property Details

APN / Parcel Number

Primary APN	`3A3-1-21C-14`
Alternative APN	`22366`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,976 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Porch	Slab
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	22366
Street Address	227 12TH ST
City	COLONIAL BEACH
State	VA
Zip	22443-1513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	LOTS 14 & 15 BK 21C DB 949 PG 2020 R/SBEING LOT 14A PER PLAT
Legal Subdivision	CLASSIC SHORE
Legal Block	21C
Legal Lot Number	14-15
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3000
Census Tract	10402

Owner

227 12th St is owned by two individuals who bought it in August 2026.

Source: Westmoreland County records, as of August 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2104 MATTHEW LN, FREDERICKSBURG, VA 22405-5742
Owner Type	Individual
Vesting	Husband and Wife

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 5, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 19, 2021	Warranty Deed, Transfer · Conventional Mortgage GEORGE MASON MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2026 · Amount on File
Deed Sale	Aug 5, 2026 · Amount on File
Prior Sale	Nov 19, 2021 · Amount on File
Deed Book / Page	1006 / 438
Record Updated	Sep 20, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Aug 5, 2026
Property Address	227 12TH ST, COLONIAL BEACH, VA 22443-1513
Document Number	1006000438
Book / Page	1006 / 438
Instrument Date	Jul 27, 2026
Transaction Type	Transfer
Record Updated	Aug 17, 2026
Title Company	EKKO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$34,845.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2104 MATTHEW LN, FREDERICKSBURG, VA 22405-5742

Mortgage

Document Number	1006000442,
Date	Aug 5, 2026
Book Page	1006/442

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Nov 19, 2021
Property Address	227 12TH ST, COLONIAL BEACH, VA 22443-1513
Document Number	09492020
Instrument Date	Nov 9, 2021
Instrument	09492020
Transaction Type	Transfer
Record Updated	Dec 8, 2021
Title Company	STRATFORD TITLE LLC

Transaction

Amount	Amount on Record
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	227 12TH ST, COLONIAL BEACH, VA 22443-1513

Mortgage

Document Number	09492023
Date	Nov 19, 2021
Instrument	09492023

Lender

Name	GEORGE MASON MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 227 12th St was $958.

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	$958.00	$228,300 Land $39,200 Building $189,100	$228,300 Land $39,200 Building $189,100
2023		$228,300 Land $39,200 Building $189,100	$228,300 Land $39,200 Building $189,100
2022	$913.00

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

Flood

FEMA maps place 227 12th St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2021.

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 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 227 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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