23 Nelson St, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 23 Nelson St, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,945 sqft · built 1980
Owner	Individual Name on File
Last Sale	$290,000 (Sep 2019)
Tax Bill	$715 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3A1-2-44-1`

Property Details

APN / Parcel Number

Primary APN	`3A1-2-44-1`
Alternative APN	`22244`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,945 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Architectural Style	Conventional
Exterior Material	Metal
Construction Type	Wood
Foundation Type	Block
Roof Material	Composition Shingle
Porch	Enclosed Porch

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	22244
Old Parcel Number	3A1-2-44-1
Street Address	23 NELSON ST
City	COLONIAL BEACH
State	VA
Zip	22443-2638
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DB
Legal Description	WESTERN PART OF LOT 1 BK 44DB 923 PG 873 R/S
Legal Block	44
Legal Lot Number	1
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2012
Census Tract	10402

Owner

23 Nelson St is owned by an individual who bought it in September 2019.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1791 LANIER PL NW APT 32, 32, WASHINGTON, DC 20009-2139
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
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage VICTORIAN FINANCE LLC
Sep 16, 2019	Warranty Deed, Transfer · Conventional Mortgage VICTORIAN FINANCE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2019 · Amount on File
Deed Sale	Sep 16, 2019 · Amount on File
Deed Document Number	0000923873
Deed Book / Page	923 / 873
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	23 NELSON ST, COLONIAL BEACH, VA 22443-2638
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009362874
Date	Oct 30, 2020
Instrument	09362874

Lender

Name	VICTORIAN FINANCE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Sep 16, 2019
Property Address	23 NELSON ST, COLONIAL BEACH, VA 22443-2638
Document Number	0009230873
Instrument Date	Sep 13, 2019
Instrument	09230873
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	LAWYERS TITLE, LAWYERS TITLE/WESTMORELAND

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1791 LANIER PL NW APT 32, 32, WASHINGTON, DC 20009-2139

Mortgage

Document Number	0009230875
Date	Sep 16, 2019
Instrument	09230875

Lender

Name	VICTORIAN FINANCE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 23 Nelson St was $715.

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	$715.00	$170,300 Land $30,900 Building $139,400	$170,300 Land $30,900 Building $139,400
2023		$170,300 Land $30,900 Building $139,400	$170,300 Land $30,900 Building $139,400
2022	$681.00

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

Flood

FEMA maps place 23 Nelson St 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 95 individual policies
Nearby Flood Policies	103 units insured incl. 8 condo units
Nearby Flood Claims	3 (2015–2023)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Nov 2023 · 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 23 Nelson St is low, with less than 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 98% of the US · lower than 96% of Maryland
Wildfire Likelihood	Under 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 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Nelson St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures