320 2nd St, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 320 2nd St, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,470 sqft · built 2021
Lot Size	0.146 acres (6,360 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Sep 2026)
Tax Bill	$962 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3A3 133C 49A`

Property Details

APN / Parcel Number

Primary APN	`3A3 133C 49A`
Alternative APN	`21401`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,470 sqft Living Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,360 sqft (0.146 acres)
Porch	Slab
Porch Area	150 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	21401
Street Address	320 2ND ST
City	COLONIAL BEACH
State	VA
Zip	22443-1813
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 49 & 50 BK 33C DB 946 PG 1432 R/S.146AC
Legal Subdivision	CLASSIC SHORES SUBDIVISION
Legal Block	33C
Legal Lot Number	49-50
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1055
Census Tract	10402

Owner

Source: Westmoreland County records, as of October 9, 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 Record
Mailing Address	12020 POTOMAC VIEW RD, NEWBURG, MD 20664
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Deed, Transfer · Conventional Mortgage KIND LENDING LLC
Oct 7, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage AMERIS BANK
Aug 16, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2026 · Amount on Record
Deed Sale	Sep 28, 2026 · Amount on Record
Deed Document Number	2026
Deed Book / Page	1007 / 1745
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Sep 28, 2026
Property Address	320 2ND ST, COLONIAL BEACH, VA 22443-1813
Document Number	1007001745
Book / Page	1007 / 1745
Instrument Date	Sep 23, 2026
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	LAKESIDE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$34,845.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1007001748,
Date	Sep 28, 2026
Book Page	1007/1748

Lender

Name	KIND LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Oct 7, 2021
Property Address	320 2ND ST, COLONIAL BEACH, VA 22443-1813
Document Number	0009480732
Instrument Date	Sep 23, 2021
Instrument	09480732
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 24, 2022
Title Company	SIGNATURE SETTLEMENT LLC, SIGNATURE HOME STLMNTS LLC

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	4473 TORRENCE PL, WOODBRIDGE, VA 22193-5721

Mortgage

Document Number	0009480734
Date	Oct 7, 2021
Instrument	09480734

Lender

Name	AMERIS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Aug 16, 2021
Property Address	320 2ND ST, COLONIAL BEACH, VA 22443-1813
Document Number	0009461432
Instrument Date	Aug 12, 2021
Instrument	09461432
Transaction Type	Transfer
Record Updated	Nov 24, 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	320 2ND ST, COLONIAL BEACH, VA 22443-1813

Mortgage

Document Number	0009461434
Date	Aug 16, 2021
Instrument	09461434

Lender

Name	CALIBER HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$962.00 (+5.02%)	$229,200 (-) Land $39,200 Building $190,000	$229,200 (-) Land $39,200 Building $190,000
2023		$229,200 Land $39,200 Building $190,000	$229,200 Land $39,200 Building $190,000
2022	$916.00

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

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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