Westmoreland County property record for 78 Rustic Ln, Colonial Beach, VA 22443
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,560 sqft · built 2020 |
| Lot Size | 0.185 acres (8,094 sqft) |
| Owner | Individual Name on File |
| Last Sale | $324,900 (Jun 2026) |
| Tax Bill | $1,436 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Oct 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10A-2-P-5 |
| Primary APN | 10A-2-P-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Building Area | 1,560 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Material | Composition Shingle |
| Lot Area | 8,094 sqft (0.185 acres) |
| Porch | Slab |
| Deck Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 14332 |
|---|---|
| Street Address | 78 RUSTIC LN |
| City | COLONIAL BEACH |
| State | VA |
| Zip | 22443-5031 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DB |
| Legal Description | BERKLEY BEACH LOT 5 BK P SEC BDB 952 PG 1292 R/S |
| Legal Subdivision | B BERKLEY BEACH |
| Legal Block | P |
| Legal Lot Number | 5 |
| Jurisdiction | WESTMORELAND VA |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 10300 |
Source: Westmoreland County records · APN 10A-2-P-5
Assessment roll updated January 8, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 78 RUSTIC LN, COLONIAL BEACH, VA 22443-5031 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 25, 2026 | Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE |
| Oct 23, 2023 | Deed of Trust, Mortgage · Unknown TRUIST BANK |
| Feb 18, 2022 | Intrafamily Transfer, Transfer |
| Jul 24, 2020 | Warranty Deed, Transfer · Stand-Alone First Mortgage TRUIST BANK |
| Jun 02, 2020 | Warranty Deed, Transfer · Commercial Mortgage PRINCE WILLIAM MARINE SALES INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 25, 2026 · Amount on Record |
| Deed Sale | Jun 25, 2026 · Amount on Record |
| Prior Sale | Jul 24, 2020 · Amount on Record |
| Deed Book / Page | 1004 / 2124 |
| Prior Transfer Date | Feb 17, 2022 |
| Prior Transfer Doc | 0000050003 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WESTMORELAND VA |
| Recording Date | Jun 25, 2026 |
| Property Address | 78 RUSTIC LN, COLONIAL BEACH, VA 22443-5031 |
| Document Number | 1004002124 |
| Book / Page | 1004 / 2124 |
| Instrument Date | Jun 22, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jul 07, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $32,814.90 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 78 RUSTIC LN, COLONIAL BEACH, VA 22443-5031 |
| Document Number | 1004002126, |
|---|---|
| Date | Jun 25, 2026 |
| Book Page | 1004/2126 |
| Name | ATLANTIC BAY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTMORELAND VA |
| Property Address | 78 RUSTIC LN, COLONIAL BEACH, VA 22443-5031 |
| Transaction Type | Mortgage |
| Record Updated | Nov 08, 2023 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0009721450 |
|---|---|
| Date | Oct 23, 2023 |
| Instrument | 09721450 |
| Name | TRUIST BANK |
|---|
| Type | Unknown |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WESTMORELAND VA |
| Recording Date | Feb 18, 2022 |
| Property Address | 78 RUSTIC LN, COLONIAL BEACH, VA 22443-5031 |
| Document Number | 0009521292 |
| Instrument Date | Feb 17, 2022 |
| Instrument | 09521292 |
| Transaction Type | Transfer |
| Record Updated | Sep 06, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 78 RUSTIC LN, COLONIAL BEACH, VA 22443-5031 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTMORELAND VA |
| Recording Date | Jul 24, 2020 |
| Property Address | 78 RUSTIC LN, COLONIAL BEACH, VA 22443-5031 |
| Document Number | 0009331686 |
| Instrument Date | Jul 23, 2020 |
| Instrument | 09331686 |
| Transaction Type | Transfer |
| Record Updated | Sep 06, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 78 RUSTIC LN, COLONIAL BEACH, VA 22443-5031 |
| Document Number | 0009331688 |
|---|---|
| Date | Jul 24, 2020 |
| Instrument | 09331688 |
| Name | TRUIST BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTMORELAND VA |
| Recording Date | Jun 02, 2020 |
| Property Address | 78 RUSTIC LN, COLONIAL BEACH, VA 22443-5031 |
| Document Number | 0009320279 |
| Instrument Date | Jun 01, 2020 |
| Instrument | 09320279 |
| Transaction Type | Transfer |
| Record Updated | Sep 06, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9759 COURTHOUSE RD, SPOTSYLVANIA, VA 22553-1915 |
| Investor | Possibly a Property Investor |
| Document Number | 0009320282 |
|---|---|
| Date | Jun 02, 2020 |
| Instrument | 09320282 |
| Name | PRINCE WILLIAM MARINE SALES INC |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Westmoreland County records · Assessment roll updated January 8, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Westmoreland County |
| Unified School District | Westmoreland County Public Schools (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,436.00 (+9.62%) | $211,300 (-) Land $14,300 Building $197,000 | $211,300 (-) Land $14,300 Building $197,000 |
| 2023 | $1,310.00 | $211,300 Land $14,300 Building $197,000 | $211,300 Land $14,300 Building $197,000 |
Source: FEMA National Flood Hazard Layer as of May 22, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| 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 |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cogeco Cable Holdings II Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 17 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | BERKLEY BEACH - EBB TIDE BEACH private · serves 892 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2022–2024) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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