313 2nd St, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 313 2nd St, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,462 sqft · built 2018
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$224,900 (May 2019)
Tax Bill	$1,032 (2025)
Deeds & Mortgages	Nov 2018 Mortgage Jun 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3A3 134C 16A`

Property Details

APN / Parcel Number

Primary APN	`3A3 134C 16A`
Alternative APN	`20729`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,462 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Deck Area	132 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	20729
Street Address	313 2ND ST
City	COLONIAL BEACH
State	VA
Zip	22443-1812
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	7.5'LOT 15, ALL 16 & 17 BK 34C .17ACDB 919 PG 1174
Legal Block	34C
Legal Lot Number	15
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1057
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	313 2ND ST, COLONIAL BEACH, VA 22443-1812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2018	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES COMMUNITY BANK
Jun 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
May 22, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2019 · Amount on Record
Deed Sale	May 22, 2019 · Amount on Record
Deed Document Number	0009191174
Deed Book / Page	919 / 1174
Record Updated	Jun 8, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	313 2ND ST, COLONIAL BEACH, VA 22443-1812
Transaction Type	Mortgage
Record Updated	Jan 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009130652
Date	Nov 13, 2018
Instrument	09130652

Lender

Name	PEOPLES COMMUNITY BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	313 2ND ST, COLONIAL BEACH, VA 22443-1812
Transaction Type	Mortgage
Record Updated	Jan 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009442673
Date	Jun 25, 2021
Instrument	09442673

Lender

Name	BANK OF AMERICA NA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate

May 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	May 22, 2019
Property Address	313 2ND ST, COLONIAL BEACH, VA 22443-1812
Document Number	0009191174
Instrument Date	May 1, 2019
Instrument	09191174
Transaction Type	Subdivision Related 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	313 2ND ST, COLONIAL BEACH, VA 22443-1812

Mortgage

Document Number	0009191176
Date	May 22, 2019
Instrument	09191176

Lender

Name	BANK OF AMERICA NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$1,032.00 (+4.98%)	$245,900 (-) Land $43,400 Building $202,500	$245,900 (-) Land $43,400 Building $202,500
2023		$245,900 Land $43,400 Building $202,500	$245,900 Land $43,400 Building $202,500
2022	$983.00

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
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	Indirect within ember reach
Adjoins Burnable Land	Yes

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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