445 Harbor View Cir, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 445 Harbor View Cir, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	2 ba · 3,150 sqft · built 1995
Owner	Individual Name on Record
Last Sale	$550,000 (Sep 2021)
Tax Bill	$3,151 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-32G`

Property Details

APN / Parcel Number

Primary APN	`10-32G`
Alternative APN	`16577`

Interior

Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,150 sqft Living Area
Flooring	Carpet

Exterior

Year Built	Built 1995
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Material	Composition Shingle
Garage Area	1,632 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Deck Area	432 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	16577
Old Parcel Number	10-32G
Street Address	445 HARBOR VIEW CIR
City	COLONIAL BEACH
State	VA
Zip	22443-5025
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DB
Legal Description	PART OF BLEAK HALL LOT 5 & 5ADB 947 PG 2787 R/S
Legal Subdivision	BLEAK HALL FARM
Legal Lot Number	5,5A
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3016
Census Tract	10300

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
Co-owner	Co-owner on Record
Mailing Address	445 HARBOR VIEW CIR, COLONIAL BEACH, VA 22443-5025
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2020	Deed of Trust, Mortgage · FHA Mortgage NFM INC
Sep 28, 2021	Warranty Deed, Transfer · Conventional Mortgage MCLEAN MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2021 · Amount on Record
Deed Sale	Sep 28, 2021 · Amount on Record
Deed Document Number	0009472787
Deed Book / Page	947 / 2787
Record Updated	Jun 8, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	445 HARBOR VIEW CIR, COLONIAL BEACH, VA 22443-5025
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	RGS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009291289
Date	Mar 19, 2020
Instrument	09291289

Lender

Name	NFM INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2035

Interest

Rate Type	Fixed Rate

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Sep 28, 2021
Property Address	445 HARBOR VIEW CIR, COLONIAL BEACH, VA 22443-5025
Document Number	09472787
Instrument Date	Sep 24, 2021
Instrument	09472787
Transaction Type	Transfer
Record Updated	Oct 13, 2021
Title Company	LAWYERS TITLE, LAWYERS TITLE/WESTMORELAND

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	445 HARBOR VIEW CIR, COLONIAL BEACH, VA 22443-5025

Mortgage

Document Number	09472789
Date	Sep 28, 2021
Instrument	09472789

Lender

Name	MCLEAN MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$3,151.00 (+9.68%)	$463,400 (-) Land $181,000 Building $282,400	$463,400 (-) Land $181,000 Building $282,400
2023	$2,873.00	$463,400 Land $181,000 Building $282,400	$463,400 Land $181,000 Building $282,400

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force

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	BLEAK HALL private · serves 143 people · EPA ID VA4193520
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	1 ppb (2022–2024) 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 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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