227 7th St, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 227 7th St, Colonial Beach, VA 22443

Property Summary

Property Type	Apartments (5+ Units)
Details	1 ba · 1,756 sqft · built 1985
Lot Size	0.068 acres (2,977 sqft)
Owner	Individual Name on Record
Tax Bill	$788 (2025)
Deeds & Mortgages	Oct 2021 Refinance Mar 2007 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3A3-1-26C-14`

Property Details

APN / Parcel Number

Primary APN	`3A3-1-26C-14`
Alternative APN	`23075`

Interior

Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,756 sqft Total Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	2,977 sqft (0.068 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	23075
Street Address	227 7TH ST
City	COLONIAL BEACH
State	VA
Zip	22443-1605
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	SF
Legal Description	LOTS 14 15 & 16 BK 26C DB 930 PG 348920/1102
Legal Subdivision	CLASSIC SHORE
Legal Block	26C
Legal Lot Number	14
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1046
Census Tract	10402

Owner

Source: Westmoreland County records, as of March 27, 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
Mailing Address	227 7TH ST, COLONIAL BEACH, VA 22443-1605
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance INTERLINC MORTGAGE SERVICES LLC
Mar 20, 2007	Deed of Trust, Mortgage · ARM LEHMAN BROTHERS BANK FSB
Apr 30, 2026	Warranty Deed, Construction Loan · Construction Mortgage MORTGAGE MORTGAGE
Apr 7, 2020	Deed, Transfer
Jun 18, 2019	Warranty Deed, Transfer · FHA Mortgage C&F MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2020
Deed Sale	Apr 7, 2020
Prior Sale	Jun 18, 2019 · Amount on Record
Deed Document Number	20209300348
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	227 7TH ST, COLONIAL BEACH, VA 22443-1605
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009482668
Date	Oct 27, 2021
Instrument	09482668

Lender

Name	INTERLINC MORTGAGE SERVICES LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.13%

March 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	227 7TH ST, COLONIAL BEACH, VA 22443-1605
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000756/716
Date	Mar 20, 2007
Book Page	756/716

Lender

Name	LEHMAN BROTHERS BANK FSB

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2012

April 2026: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Apr 30, 2026
Property Address	227 7TH ST, COLONIAL BEACH, VA 22443-1605
Instrument Date	Apr 28, 2026
Transaction Type	Construction Loan
Record Updated	Aug 28, 2026

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	227 7TH ST, COLONIAL BEACH, VA 22443-1605
Investor	Possibly a Property Investor

Mortgage

Date	Apr 30, 2026

Lender

Name	MORTGAGE MORTGAGE

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	0.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Apr 7, 2020
Property Address	227 7TH ST, COLONIAL BEACH, VA 22443-1605
Document Number	0009300348
Instrument Date	Feb 25, 2020
Instrument	09300348
Transaction Type	Transfer
Record Updated	Jan 8, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 7TH ST, COLONIAL BEACH, VA 22443-1605

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Jun 18, 2019
Property Address	227 7TH ST, COLONIAL BEACH, VA 22443-1605
Document Number	0009201102
Instrument Date	Jun 14, 2019
Instrument	09201102
Transaction Type	Transfer
Record Updated	Jan 8, 2026
Title Company	TITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCES GUARANTY CO

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	227 7TH ST, COLONIAL BEACH, VA 22443-1605

Mortgage

Document Number	0009201105
Date	Jun 18, 2019
Instrument	09201105

Lender

Name	C&F MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$788.00 (+4.93%)	$187,800 (+326.82%) Land $47,500 Building $140,300	$187,800 (+326.82%) Land $47,500 Building $140,300
2023		$44,000 Building $44,000	$44,000 Building $44,000
2022	$751.00

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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