26 2nd St, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 26 2nd St, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,609 sqft · built 2004
Owner	2 Individual Names on Record
Last Sale	$225,000 (Aug 2004)
Tax Bill	$1,205 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Apr 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3A3-2-05B-9`

Property Details

APN / Parcel Number

Primary APN	`3A3-2-05B-9`
Alternative APN	`22504`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,609 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Material	Composition Shingle
Porch	Enclosed Porch
Deck Area	120 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	22504
Old Parcel Number	3A3-2-05B-9
Street Address	26 2ND ST
City	COLONIAL BEACH
State	VA
Zip	22443-1826
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	LOT 9 BK 05B DB 651 PG 204 R/S
Legal Block	5B
Legal Lot Number	9
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1013
Census Tract	10402

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 467, COLONIAL BEACH, VA 22443-0467
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2020	Deed of Trust, Mortgage · VA Mortgage MR COOPER
Apr 16, 2019	Deed of Trust, Mortgage · VA Mortgage MR COOPER
Nov 9, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MR COOPER
Sep 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2004 · Amount on Record
Deed Sale	Aug 16, 2004 · Amount on Record
Deed Document Number	0000651204
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	26 2ND ST, COLONIAL BEACH, VA 22443-1826
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009270560
Date	Jan 8, 2020
Instrument	09270560

Lender

Name	MR COOPER

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Fixed Rate

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	26 2ND ST, COLONIAL BEACH, VA 22443-1826
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	COMMONWEALTH USA SETTLEMENTS L, COMMONWEALTH USA STLMNTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009180716
Date	Apr 16, 2019
Instrument	09180716

Lender

Name	MR COOPER

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	26 2ND ST, COLONIAL BEACH, VA 22443-1826
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009370670
Date	Nov 9, 2020
Instrument	09370670

Lender

Name	MR COOPER

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	26 2ND ST, COLONIAL BEACH, VA 22443-1826
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009472167
Date	Sep 23, 2021
Instrument	09472167

Lender

Name	MR COOPER

Agreement

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

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$1,205.00 (+4.97%)	$287,000 (-) Land $47,500 Building $239,500	$287,000 (-) Land $47,500 Building $239,500
2023		$287,000 Land $47,500 Building $239,500	$287,000 Land $47,500 Building $239,500
2022	$1,148.00

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
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	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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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