Northampton County property record for 3 Colony Dr, Cape Charles, VA 23310
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,138 sqft · built 2003 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Company Name on File |
| Last Sale | $413,500 (Oct 2017) |
| Tax Bill | $5,130 (2025) |
| Deeds & Mortgages | Apr 2021 Refinance Feb 2018 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 83A1-11-117 |
| Primary APN | 83A1-11-117 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,138 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Foundation Type | Block |
| Roof Type | Mansard |
| Roof Material | Metal |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 153 sqft |
| Patio Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 471900 |
|---|---|
| Street Address | 3 COLONY DR |
| City | CAPE CHARLES |
| State | VA |
| Zip | 23310-2772 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 117 THE COLONY PHASE IV LOT 117 THE COLONY PHASE IV |
| Legal Phase | 4 |
| Legal Lot Number | 117 |
| Jurisdiction | NORTHAMPTON VA |
| Township / Civil Division | 2 |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 930301 |
3 Colony Dr is owned by a company that acquired it in June 2019 and is owner-occupied.
Source: Northampton County records, as of March 11, 2026
| Owner of Record | Company Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3 COLONY DR, CAPE CHARLES, VA 23310-2772 |
| Occupancy | Owner Occupied |
| Owner Type | Individual, Secondary Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 15, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance SPRING EQ LLC |
| Feb 26, 2018 | Deed of Trust, Mortgage · Conventional Mortgage PACIFIC UNION FINANCIAL LLC |
| Aug 24, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION |
| Jun 25, 2019 | Intrafamily Transfer, Transfer |
| Oct 2, 2017 | Warranty Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE COMPANY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 2017 · Amount on File |
| Deed Sale | Oct 2, 2017 · Amount on File |
| Prior Sale | Oct 2, 2017 · Amount on File |
| Deed Document Number | 0170001602 |
| Last Transfer Date | Jun 25, 2019 |
| Transfer Doc | 0190000995 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Property Address | 3 COLONY DR, CAPE CHARLES, VA 23310-2772 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 210000999 |
|---|---|
| Date | Apr 15, 2021 |
| Instrument | 210000999 |
| Name | SPRING EQ LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Property Address | 3 COLONY DR, CAPE CHARLES, VA 23310-2772 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 180000262 |
|---|---|
| Date | Feb 26, 2018 |
| Instrument | 180000262 |
| Name | PACIFIC UNION FINANCIAL LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Property Address | 3 COLONY DR, CAPE CHARLES, VA 23310-2772 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 200001527 |
|---|---|
| Date | Aug 24, 2020 |
| Instrument | 200001527 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 332 Months |
| Due | Apr 1, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Recording Date | Jun 25, 2019 |
| Property Address | 3 COLONY DR, CAPE CHARLES, VA 23310-2772 |
| Document Number | 0190000995 |
| Instrument Date | Jun 20, 2019 |
| Instrument | 190000995 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 COLONY DR, CAPE CHARLES, VA 23310-2772 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Recording Date | Oct 2, 2017 |
| Property Address | 3 COLONY DR, CAPE CHARLES, VA 23310-2772 |
| Document Number | 0170001602 |
| Instrument Date | Sep 27, 2017 |
| Instrument | 170001602 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2022 |
| Title Company | A AND N TITLE AND SETTLEMENT, A & N TITLE & SETTLEMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 COLONY DR, CAPE CHARLES, VA 23310-2772 |
| Document Number | 0170001603 |
|---|---|
| Date | Oct 2, 2017 |
| Instrument | 170001603 |
| Name | SIERRA PACIFIC MORTGAGE COMPANY INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 3 Colony Dr was $5,130.
Source: Northampton County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Cape Charles Town |
| County | Northampton County |
| Unified School District | Northampton County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,130.00 | $727,800 Land $112,400 Building $615,400 | |
| 2024 | $727,800 (+52.83%) Land $112,400 Building $615,400 | ||
| 2023 | $3,619.00 | $476,200 Land $87,400 Building $388,800 | $476,200 Land $87,400 Building $388,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Colony Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 26, 2021 · 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 83 individual policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 98 units insured incl. 15 condo units |
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 risk around 3 Colony Dr 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 98% of the US · lower than 99% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF CAPE CHARLES serves 1,342 people · EPA ID VA3131120 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Eastern Shore of Virginia Broadband Authority Fiber | 200 / 200 |
| AT&T Fixed Wireless | 100 / 20 |
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