318 3rd St, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 318 3rd St, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,975 sqft · built 2022
Lot Size	0.146 acres (6,360 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Jun 2023)
Tax Bill	$1,169 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3A3 134C 47`

Property Details

APN / Parcel Number

Primary APN	`3A3 134C 47`
Alternative APN	`20751`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,975 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2023
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	6,360 sqft (0.146 acres)
Porch	Slab
Porch Area	248 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	20751
Street Address	318 3RD ST
City	COLONIAL BEACH
State	VA
Zip	22443-1825
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	LOT 47 & 48 BK 34C DB 968 PG 1838 R/S
Legal Subdivision	CLASSIC SHORES ADDITION
Legal Block	34C
Legal Lot Number	47
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1057
Census Tract	10402

Owner

318 3rd St is owned and occupied by two individuals who bought it in June 2023.

Source: Westmoreland County records, as of May 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	318 3RD ST, COLONIAL BEACH, VA 22443-1825
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2026	Deed of Trust, Mortgage · VA Mortgage LOWER LLC
Jun 30, 2023	Warranty Deed, Subdivision Related Transfer · VA Mortgage EQUITY PRIME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2023 · Amount on File
Deed Sale	Jun 30, 2023 · Amount on File
Deed Book / Page	968 / 1838
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Recording Date	Apr 27, 2026
Property Address	318 3RD ST, COLONIAL BEACH, VA 22443-1825
Document Number	1002002122
Book / Page	1002 / 2122
Instrument Date	Apr 23, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SUMMIT SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	318 3RD ST, COLONIAL BEACH, VA 22443-1825
Investor	Possibly a Property Investor

Mortgage

Document Number	1002002122,
Date	Apr 27, 2026
Book Page	1002/2122

Lender

Name	LOWER LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Jun 30, 2023
Property Address	318 3RD ST, COLONIAL BEACH, VA 22443-1825
Document Number	0009681838
Instrument Date	Jun 29, 2023
Instrument	09681838
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 14, 2024
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

Transaction

Amount	Amount 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	318 3RD ST, COLONIAL BEACH, VA 22443-1825

Mortgage

Document Number	0009681840
Date	Jun 30, 2023
Instrument	09681840

Lender

Name	EQUITY PRIME MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 318 3rd St was $1,169.

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	$1,169.00	$278,400 Land $39,200 Building $239,200	$278,400 Land $39,200 Building $239,200
2023		$278,400 Land $39,200 Building $239,200	$278,400 Land $39,200 Building $239,200
2022	$132.00

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

Flood

FEMA maps place 318 3rd 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 318 3rd 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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