Westmoreland County property record for 3003 Stratford St, Colonial Beach, VA 22443
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,470 sqft · built 2005 |
| Owner | Individual Name on Record |
| Last Sale | $173,000 (Nov 2012) |
| Tax Bill | $1,382 (2025) |
| Deeds & Mortgages | Aug 2023 Second Mortgage Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3A4-1-264 |
| Primary APN | 3A4-1-264 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,470 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Porch | Open Porch |
| Deck Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 23635 |
|---|---|
| Old Parcel Number | 3A4-1-264 |
| Street Address | 3003 STRATFORD ST |
| City | COLONIAL BEACH |
| State | VA |
| Zip | 22443-4756 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DM |
| Legal Description | RIVERSIDE MEADOWS LOT 264DB 938 PG 1026 R/S |
| Legal Subdivision | RIVERSIDE MEADOWS |
| Legal Lot Number | 264 |
| Jurisdiction | WESTMORELAND VA |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 10402 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3003 STRATFORD ST, COLONIAL BEACH, VA 22443-4756 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 2, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION |
| Dec 10, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION |
| Dec 5, 2019 | Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 16, 2012 · Amount on Record |
| Deed Sale | Nov 16, 2012 · Amount on Record |
| Prior Sale | Nov 16, 2012 · Amount on Record |
| Deed Document Number | 000841/663 |
| Deed Book / Page | 841 / 663 |
| Last Transfer Date | Dec 10, 2020 |
| Transfer Doc | 0009381026 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTMORELAND VA |
| Property Address | 3003 STRATFORD ST, COLONIAL BEACH, VA 22443-4756 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0009700184 |
|---|---|
| Date | Aug 2, 2023 |
| Instrument | 09700184 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 1, 2038 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WESTMORELAND VA |
| Recording Date | Dec 10, 2020 |
| Property Address | 3003 STRATFORD ST, COLONIAL BEACH, VA 22443-4756 |
| Document Number | 0009381026 |
| Instrument Date | Dec 4, 2020 |
| Instrument | 09381026 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3003 STRATFORD ST, COLONIAL BEACH, VA 22443-4756 |
| Document Number | 0009381028 |
|---|---|
| Date | Dec 10, 2020 |
| Instrument | 09381028 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTMORELAND VA |
| Property Address | 3003 STRATFORD ST, COLONIAL BEACH, VA 22443-4756 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2020 |
| Name | Verified Name |
|---|
| Document Number | 09260219 |
|---|---|
| Date | Dec 5, 2019 |
| Instrument | 09260219 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Nov 1, 2059 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.25% |
Source: Westmoreland County assessment roll, as of October 15, 2025
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Colonial Beach Town |
| County | Westmoreland County |
| Unified School District | Colonial Beach Town Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,382.00 (+5.02%) | $329,100 (-) Land $47,500 Building $281,600 | $329,100 (-) Land $47,500 Building $281,600 |
| 2023 | $329,100 Land $47,500 Building $281,600 | $329,100 Land $47,500 Building $281,600 | |
| 2022 | $1,316.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 2 (2021) |
| Claims Outside the SFHA | 2 of 2 |
| 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 294 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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