Westmoreland County property record for 55 Stratford Dr, Colonial Beach, VA 22443
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,504 sqft · built 1975 |
| Owner | Individual Name on Record |
| Last Sale | $267,500 (May 2025) |
| Tax Bill | $1,017 (2025) |
| Deeds & Mortgages | Oct 2023 Sale Jun 2022 Second Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 6B-2-C-18 |
| Primary APN | 6B-2-C-18 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,504 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Porch | Finished/Screened Porch |
| Deck Area | 48 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 16785 |
|---|---|
| Old Parcel Number | 6B-2-C-18 |
| Street Address | 55 STRATFORD DR |
| City | COLONIAL BEACH |
| State | VA |
| Zip | 22443-4240 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | WESTMORELAND SHORES LOT 18 BK C SEC 2DB 972 PG 320 R/S |
| Legal Subdivision | WESTMORELAND SHORES |
| Legal Block | C |
| Legal Lot Number | 18 |
| Jurisdiction | WESTMORELAND VA |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 10401 |
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 | 55 STRATFORD DR, COLONIAL BEACH, VA 22443-4240 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 4, 2023 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Jun 1, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME |
| Oct 31, 2018 | Deed of Trust, Mortgage · FHA Mortgage TOWNE MORTGAGE CO |
| Dec 22, 2020 | Deed of Trust, Mortgage · Line of Credit CITIZENS & FARMERS BANK |
| Dec 22, 2020 | Warranty Deed, Transfer · Conventional Mortgage C&F MORTGAGE CORPORATION |
| Dec 11, 2017 | Deed of Trust, Mortgage · Stand-Alone Refinance FIRST DIRECT LENDING |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 27, 2025 · Amount on Record |
| Deed Sale | May 27, 2025 · Amount on Record |
| Prior Sale | Oct 4, 2023 · Amount on Record |
| Deed Document Number | 09911547 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTMORELAND VA |
| Recording Date | Oct 4, 2023 |
| Property Address | 55 STRATFORD DR, COLONIAL BEACH, VA 22443-4240 |
| Document Number | 0009720320 |
| Instrument Date | Oct 3, 2023 |
| Instrument | 09720320 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 506 ROLANDO DR, ALEXANDRIA, VA 22334-0001 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTMORELAND VA |
| Property Address | 55 STRATFORD DR, COLONIAL BEACH, VA 22443-4240 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0009560078 |
|---|---|
| Date | Jun 1, 2022 |
| Instrument | 09560078 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPME |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 343 Months |
| Due | Jan 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTMORELAND VA |
| Property Address | 55 STRATFORD DR, COLONIAL BEACH, VA 22443-4240 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Title Company | MADISON SETTLEMENTS, MADISON SETTLEMENT |
| Name | Verified Name |
|---|
| Document Number | 0009121864 |
|---|---|
| Date | Oct 31, 2018 |
| Instrument | 09121864 |
| Name | TOWNE MORTGAGE CO |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTMORELAND VA |
| Property Address | 55 STRATFORD DR, COLONIAL BEACH, VA 22443-4240 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 09382387 |
|---|---|
| Date | Dec 22, 2020 |
| Instrument | 09382387 |
| Name | CITIZENS & FARMERS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTMORELAND VA |
| Recording Date | Dec 22, 2020 |
| Property Address | 55 STRATFORD DR, COLONIAL BEACH, VA 22443-4240 |
| Document Number | 0009382373 |
| Instrument Date | Dec 18, 2020 |
| Instrument | 09382373 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2022 |
| Title Company | COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 55 STRATFORD DR, COLONIAL BEACH, VA 22443-4240 |
| Document Number | 0009382375 |
|---|---|
| Date | Dec 22, 2020 |
| Instrument | 09382375 |
| Name | C&F MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTMORELAND VA |
| Property Address | 55 STRATFORD DR, COLONIAL BEACH, VA 22443-4240 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2018 |
| Title Company | SOLSTICE CLOSING SOLUTIONOS |
| Name | Verified Name |
|---|
| Document Number | 9020718 |
|---|---|
| Date | Dec 11, 2017 |
| Instrument | 9020718 |
| Name | FIRST DIRECT LENDING |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2048 |
| Rate Type | Fixed Rate |
|---|
Source: Westmoreland County assessment roll, as of October 15, 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | Westmoreland County |
| Unified School District | Westmoreland County Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,017.00 (+9.71%) | $149,600 (-) Land $35,100 Building $114,500 | $149,600 (-) Land $35,100 Building $114,500 |
| 2023 | $927.00 | $149,600 (-) Land $35,100 Building $114,500 | $149,600 (-) Land $35,100 Building $114,500 |
| 2022 | $927.00 | $149,600 Land $35,100 Building $114,500 | $149,600 Land $35,100 Building $114,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 14 policies |
| Nearby Flood Policies | 14 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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 191 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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