315 2nd St, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 315 2nd St, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,596 sqft · built 2020
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$278,947 (Dec 2020)
Tax Bill	$1,136 (2025)
Deeds & Mortgages	Sep 2021 Refinance Dec 2023 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3A3 134C 18A`

Property Details

APN / Parcel Number

Primary APN	`3A3 134C 18A`
Alternative APN	`20732`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,596 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	20732
Street Address	315 2ND ST
City	COLONIAL BEACH
State	VA
Zip	22443-1812
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 18 & 19 BK 34C .15ACDB 947 PG 481 R/S
Legal Subdivision	CLASSIC SHORES SD
Legal Block	34C
Legal Lot Number	18-19
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1057
Census Tract	10402

Owner

315 2nd St is owned and occupied by two individuals who acquired it in August 2021.

Source: Westmoreland County records, as of June 3, 2026

Owner of Record	2 Individual Names on File
Mailing Address	315 2ND ST, COLONIAL BEACH, VA 22443-1812
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 7, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FEDERAL CREDIT UNION
Dec 8, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION
Sep 7, 2021	Intrafamily Transfer, Transfer · Stand-Alone Refinance NAVY FEDERAL CREDIT UNION
Dec 22, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2020 · Amount on File
Deed Sale	Dec 22, 2020 · Amount on File
Deed Document Number	20209382249
Last Transfer Date	Aug 30, 2021
Transfer Doc	0009470481
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	315 2ND ST, COLONIAL BEACH, VA 22443-1812
Transaction Type	Mortgage
Record Updated	Mar 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009470483
Date	Sep 7, 2021
Instrument	09470483

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

Interest

Rate Type	Fixed Rate

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	315 2ND ST, COLONIAL BEACH, VA 22443-1812
Transaction Type	Mortgage
Record Updated	Jan 3, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009740470
Date	Dec 8, 2023
Instrument	09740470

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 1, 2043

Interest

Rate Type	Fixed Rate

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WESTMORELAND VA
Recording Date	Sep 7, 2021
Property Address	315 2ND ST, COLONIAL BEACH, VA 22443-1812
Document Number	09470481
Instrument Date	Aug 30, 2021
Instrument	09470481
Transaction Type	Transfer
Record Updated	Oct 13, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 2ND ST, COLONIAL BEACH, VA 22443-1812

Mortgage

Document Number	0009470483
Date	Sep 7, 2021
Instrument	09470483

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

Interest

Rate Type	Fixed Rate

December 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Dec 22, 2020
Property Address	315 2ND ST, COLONIAL BEACH, VA 22443-1812
Document Number	0009382249
Instrument Date	Dec 17, 2020
Instrument	09382249
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 13, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

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	315 2ND ST, COLONIAL BEACH, VA 22443-1812

Mortgage

Document Number	0009382252
Date	Dec 22, 2020
Instrument	09382252

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Type Change Date	Jan 1, 2024
Margin	2

Tax Assessment & Valuation

The 2025 property tax bill for 315 2nd St was $1,136.

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	$1,136.00	$270,700 Land $39,200 Building $231,500	$270,700 Land $39,200 Building $231,500
2023		$270,700 Land $39,200 Building $231,500	$270,700 Land $39,200 Building $231,500
2022	$1,082.00

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

Flood

FEMA maps place 315 2nd 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 315 2nd 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
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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