413 Franklin St, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 413 Franklin St, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,236 sqft · built 1960
Owner	Individual Name on Record
Last Sale	$94,000 (Aug 2016)
Tax Bill	$496 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3A2-9-40`

Property Details

APN / Parcel Number

Primary APN	`3A2-9-40`
Alternative APN	`21412`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,236 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1975
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Block
Roof Material	Composition Shingle
Porch	Finished/Screened Porch
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	21412
Old Parcel Number	3A2-9-40
Street Address	413 FRANKLIN ST
City	COLONIAL BEACH
State	VA
Zip	22443-2242
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	M K J SUB LOT 40DB 886 PG 1558
Legal Subdivision	M K J
Legal Lot Number	40
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1036
Census Tract	10402

Owner

Source: Westmoreland County records, as of January 7, 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	413 FRANKLIN ST, COLONIAL BEACH, VA 22443-2242
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage HOMEOWNERSHIP CENTER
Sep 22, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Mar 1, 2018	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2016 · Amount on Record
Deed Sale	Aug 26, 2016 · Amount on Record
Deed Document Number	0008861558
Deed Book / Page	886 / 1558
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Recording Date	Aug 26, 2026
Property Address	413 FRANKLIN ST, COLONIAL BEACH, VA 22443-2242
Document Number	1006001986
Book / Page	1006 / 1986
Instrument Date	Aug 15, 2026
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	CLEAR TITLE ESCROW AND SETTLEMEN, CLEAR TITLE & ESCROW SETTLEM

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 FRANKLIN ST, COLONIAL BEACH, VA 22443-2242

Mortgage

Document Number	1006001986,
Date	Aug 26, 2026
Book Page	1006/1986

Lender

Name	HOMEOWNERSHIP CENTER

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	413 FRANKLIN ST, COLONIAL BEACH, VA 22443-2242
Transaction Type	Mortgage
Record Updated	Oct 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09471951
Date	Sep 22, 2021
Instrument	09471951

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	413 FRANKLIN ST, COLONIAL BEACH, VA 22443-2242
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9050104
Date	Mar 1, 2018
Instrument	9050104

Lender

Name	LOANDEPOT.COM

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

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	$496.00 (+4.86%)	$118,300 (-) Land $47,500 Building $70,800	$118,300 (-) Land $47,500 Building $70,800
2023		$118,300 Land $47,500 Building $70,800	$118,300 Land $47,500 Building $70,800
2022	$473.00

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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