32 Earl Ct, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 32 Earl Ct, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,516 sqft · built 1987
Owner	Individual Name on File
Last Sale	$250,000 (Jan 2008)
Tax Bill	$1,683 (2025)
Deeds & Mortgages	Apr 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`6H-10-45`

Property Details

APN / Parcel Number

Primary APN	`6H-10-45`
Alternative APN	`14795`

Interior

Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,516 sqft Living Area
Sunroom	Sunroom
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1993
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Material	Composition Shingle
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Deck Area	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	14795
Old Parcel Number	6H-10-45
Street Address	32 EARL CT
City	COLONIAL BEACH
State	VA
Zip	22443-4537
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	POTOMAC SHORES LOT 45 SEC 10DB 783 PG 30
Legal Subdivision	X POTOMAC SHRS
Legal Lot Number	45
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1013
Census Tract	10401

Owner

32 Earl Ct is owned and occupied by an individual who bought it in January 2008.

Source: Westmoreland County records, as of January 7, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	32 EARL CT, COLONIAL BEACH, VA 22443-4537
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2008 · Amount on File
Deed Sale	Jan 2, 2008 · Amount on File
Deed Document Number	0000078330
Deed Book / Page	783 / 30
Prior Transfer Date	Dec 27, 2007
Prior Transfer Doc	0000783/30
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	32 EARL CT, COLONIAL BEACH, VA 22443-4537
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	BAY COUNTY SETTLEMENTS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009301547
Date	Apr 29, 2020
Instrument	09301547

Lender

Name	HOME SAVINGS & TRUST MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 32 Earl Ct was $1,683.

Source: Westmoreland County assessment roll, as of October 15, 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Westmoreland County
Unified School District	Westmoreland County Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,683.00	$247,600 Land $39,200 Building $208,400	$247,600 Land $39,200 Building $208,400
2023	$1,535.00	$247,600 Land $39,200 Building $208,400	$247,600 Land $39,200 Building $208,400

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

Flood

FEMA maps place 32 Earl Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2021.

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 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	2 (2021)
Most Recent Claim	Oct 2021 · tidal / storm surge

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 32 Earl Ct 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	POTOMAC WESTMORELAND SHORES private · serves 1,743 people · EPA ID VA4193760
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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