27 1st St, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 27 1st St, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,619 sqft · built 2004
Owner	Individual Name on Record
Last Sale	$340,000 (Aug 2022)
Tax Bill	$1,139 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Sep 2019 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3A3-2-05B-5`

Property Details

APN / Parcel Number

Primary APN	`3A3-2-05B-5`
Alternative APN	`22500`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,619 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
Parking Spaces	1 Parking Space
Porch	Open Porch
Deck Area	130 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	22500
Old Parcel Number	3A3-2-05B-5
Street Address	27 1ST ST
City	COLONIAL BEACH
State	VA
Zip	22443-1859
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	LOT 5 BK 05B DB 958 PG 820
Legal Block	5B
Legal Lot Number	5
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	Individual Name on Record
Mailing Address	27 1ST ST, COLONIAL BEACH, VA 22443-1859
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2022	Warranty Deed, Transfer · Conventional Mortgage MDE HOME LOANS LLC
Sep 5, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance AMERIS BANK
Nov 10, 2020	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE LLC
Jan 28, 2021	Intrafamily Transfer, Transfer
Dec 15, 2017	Warranty Deed, Transfer · Stand-Alone First Mortgage M&T BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2022 · Amount on Record
Deed Sale	Aug 9, 2022 · Amount on Record
Prior Sale	Jan 28, 2021
Deed Document Number	09580820
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Aug 9, 2022
Property Address	27 1ST ST, COLONIAL BEACH, VA 22443-1859
Document Number	0009580820
Instrument Date	Aug 3, 2022
Instrument	09580820
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

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	27 1ST ST, COLONIAL BEACH, VA 22443-1859

Mortgage

Document Number	0009580824
Date	Aug 9, 2022
Instrument	09580824

Lender

Name	MDE HOME LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	27 1ST ST, COLONIAL BEACH, VA 22443-1859
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	MULTIPLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009230277
Date	Sep 5, 2019
Instrument	09230277

Lender

Name	AMERIS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

Interest

Rate Type	Fixed Rate

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Nov 10, 2020
Property Address	27 1ST ST, COLONIAL BEACH, VA 22443-1859
Document Number	0009370987
Instrument Date	Nov 6, 2020
Instrument	09370987
Transaction Type	Transfer
Record Updated	Jan 13, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

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	27 1ST ST, COLONIAL BEACH, VA 22443-1859

Mortgage

Document Number	0000937989
Date	Nov 10, 2020
Instrument	0937989

Lender

Name	ATLANTIC COAST MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WESTMORELAND VA
Recording Date	Jan 28, 2021
Property Address	27 1ST ST, COLONIAL BEACH, VA 22443-1859
Document Number	0009392386
Instrument Date	Nov 6, 2020
Instrument	09392386
Transaction Type	Transfer
Record Updated	Jan 13, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 1ST ST, COLONIAL BEACH, VA 22443-1859

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Dec 15, 2017
Property Address	27 1ST ST, COLONIAL BEACH, VA 22443-1859
Document Number	0009020982
Instrument Date	Dec 12, 2017
Instrument	9020982
Transaction Type	Transfer
Record Updated	Jan 13, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

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	27 1ST ST, COLONIAL BEACH, VA 22443-1859

Mortgage

Document Number	0009020984
Date	Dec 15, 2017
Instrument	9020984

Lender

Name	M&T BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$1,139.00 (+5.07%)	$271,200 (-) Land $47,500 Building $223,700	$271,200 (-) Land $47,500 Building $223,700
2023		$271,200 Land $47,500 Building $223,700	$271,200 Land $47,500 Building $223,700
2022	$1,084.00

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 99.1% of the US · lower than 98.5% 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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