304 1st St, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 304 1st St, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,456 sqft · built 2023
Lot Size	0.062 acres (2,718 sqft)
Owner	2 Individual Names on File
Last Sale	$314,000 (Jun 2025)
Tax Bill	$853 (2025)
Deeds & Mortgages	Mar 2026 Mortgage May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3A2-5-2-43`

Property Details

APN / Parcel Number

Primary APN	`3A2-5-2-43`
Alternative APN	`21548`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,456 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	2,718 sqft (0.062 acres)
Porch	Slab
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	21548
Street Address	304 1ST ST
City	COLONIAL BEACH
State	VA
Zip	22443-1803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DB
Legal Description	POTOMAC GARDENS LOT 43 BK 2DB 967 PG 1454
Legal Subdivision	POTOMAC GARDENS SUBDIVISION
Legal Block	2
Legal Lot Number	43
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1054
Census Tract	10402

Owner

304 1st St is owned and occupied by two individuals who bought it in June 2025.

Source: Westmoreland County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	304 1ST ST, COLONIAL BEACH, VA 22443-1803
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Mar 12, 2026	Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC
May 22, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2025 · Amount on File
Deed Sale	Jun 12, 2025 · Amount on File
Prior Sale	May 22, 2023 · Amount on File
Deed Document Number	20251799
Deed Book / Page	992 / 848
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	304 1ST ST, COLONIAL BEACH, VA 22443-1803
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 1ST ST, COLONIAL BEACH, VA 22443-1803

Mortgage

Document Number	01001/1150
Date	Mar 12, 2026
Book Page	1001/1150

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	May 22, 2023
Property Address	304 1ST ST, COLONIAL BEACH, VA 22443-1803
Document Number	0009671454
Instrument Date	May 18, 2023
Instrument	09671454
Transaction Type	Transfer
Record Updated	Mar 14, 2024
Title Company	GUARANTY TITLE AGENCY INC

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 1ST ST, COLONIAL BEACH, VA 22443-1803

Mortgage

Document Number	0009671456
Date	May 22, 2023
Instrument	09671456

Lender

Name	UNITED WHOLESALE MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 304 1st St was $853.

Source: Westmoreland County assessment roll, as of January 8, 2026

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	$853.00	$203,300 Land $22,600 Building $180,700	$203,300 Land $22,600 Building $180,700
2023		$202,200 Land $22,600 Building $179,600	$202,200 Land $22,600 Building $179,600
2022	$66.00

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

Flood

FEMA maps place 304 1st St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2006.

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 File 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

Wildfire risk around 304 1st St 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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.

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