324 2nd St, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 324 2nd St, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,124 sqft · built 2020
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$82,423 (Jan 2020)
Tax Bill	$891 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Oct 2020 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3A3-1-33C-46`

Property Details

APN / Parcel Number

Primary APN	`3A3-1-33C-46`
Alternative APN	`21400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,124 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Porch	Patio

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	21400
Street Address	324 2ND ST
City	COLONIAL BEACH
State	VA
Zip	22443-1813
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 46 47 & 48 & 18.04' OF LOT 45 BK 33CDB 934 PG 1517
Legal Subdivision	CLASSIC SHORES SD
Legal Block	33C
Legal Lot Number	46
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1055
Census Tract	10402

Owner

Source: Westmoreland County records, as of May 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	9006 PARADISE LN, KING GEORGE, VA 22485-7089
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage TOPSIDE FEDERAL CREDIT UNION
Oct 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CONTOUR MORTGAGE CORP
Aug 19, 2020	Gift Deed, Transfer
Jan 2, 2020	Special Warranty Deed, Transfer · Stand-Alone First Mortgage PARTY III
Sep 16, 2019	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 2, 2020 · Amount on Record
Deed Sale	Jan 2, 2020 · Amount on Record
Prior Sale	Sep 16, 2019 · Amount on Record
Deed Document Number	20209270113
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	324 2ND ST, COLONIAL BEACH, VA 22443-1813
Transaction Type	Mortgage
Record Updated	Oct 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009590949
Date	Sep 14, 2022
Instrument	09590949

Lender

Name	TOPSIDE FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	324 2ND ST, COLONIAL BEACH, VA 22443-1813
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09362522
Date	Oct 28, 2020
Instrument	09362522

Lender

Name	CONTOUR MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

August 2020: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Aug 19, 2020
Property Address	324 2ND ST, COLONIAL BEACH, VA 22443-1813
Document Number	0009341517
Instrument Date	Aug 17, 2020
Instrument	09341517
Transaction Type	Transfer
Record Updated	Jan 13, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9006 PARADISE LN, KING GEORGE, VA 22485-7089

January 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Jan 2, 2020
Property Address	324 2ND ST, COLONIAL BEACH, VA 22443-1813
Document Number	09270113
Instrument Date	Dec 20, 2019
Instrument	09270113
Transaction Type	Transfer
Record Updated	Jun 22, 2021
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	324 2ND ST, COLONIAL BEACH, VA 22443-1813

Mortgage

Document Number	09270116
Date	Jan 2, 2020
Instrument	09270116

Lender

Name	PARTY III
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Sep 16, 2019
Property Address	324 2ND ST, COLONIAL BEACH, VA 22443-1813
Document Number	09230804
Instrument Date	Aug 30, 2019
Instrument	09230804
Transaction Type	Foreclosure
Record Updated	Jun 23, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043
Investor	Possibly a Property Investor

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	$891.00 (+5.07%)	$212,200 (-) Land $47,500 Building $164,700	$212,200 (-) Land $47,500 Building $164,700
2023		$212,200 Land $47,500 Building $164,700	$212,200 Land $47,500 Building $164,700
2022	$848.00

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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