Westmoreland County property record for 314 Locust Ave, Colonial Beach, VA 22443
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,534 sqft · built 1990 |
| Owner | 2 Individual Names on Record |
| Last Sale | $194,900 (Nov 2006) |
| Tax Bill | $675 (2025) |
| Deeds & Mortgages | Aug 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 3A4-3-20-21 |
| Primary APN | 3A4-3-20-21 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,534 sqft Living Area |
| Interior Walls | Paneling |
| Year Built | Built 1990 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Porch | Enclosed Porch |
| Deck Area | 24 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 20787 |
|---|---|
| Old Parcel Number | 3A4-3-20-21 |
| Street Address | 314 LOCUST AVE |
| City | COLONIAL BEACH |
| State | VA |
| Zip | 22443-4700 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DB |
| Legal Description | BLUFF POINT LOT 21 BK 20DB 745 PG 112 T/C |
| Legal Subdivision | BLUFF POINT |
| Legal Block | 20 |
| Legal Lot Number | 21 |
| Jurisdiction | WESTMORELAND VA |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 3 |
| Census Block | 3027 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 314 LOCUST AVE, COLONIAL BEACH, VA 22443-4700 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 13, 2006 · Amount on Record |
| Deed Sale | Nov 13, 2006 · Amount on Record |
| Deed Document Number | 0000745112 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTMORELAND VA |
| Property Address | 314 LOCUST AVE, COLONIAL BEACH, VA 22443-4700 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0009460383 |
|---|---|
| Date | Aug 4, 2021 |
| Instrument | 09460383 |
| Name | PNC BANK NA |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.5% |
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 | $675.00 (+4.98%) | $160,800 (-) Land $34,200 Building $126,600 | $160,800 (-) Land $34,200 Building $126,600 |
| 2023 | $160,800 Land $34,200 Building $126,600 | $160,800 Land $34,200 Building $126,600 | |
| 2022 | $643.00 |
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 | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VA AMERICAN DARL SUBDIVISION private · serves 63 people · EPA ID VA4193320 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2023 |
| Also Mapped Here | TOWN OF COLONIAL BEACH |
| 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 | 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 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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