809 Elkins St, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 809 Elkins St, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,000 sqft · built 1970
Owner	Individual Name on File
Last Sale	$108,000 (Nov 2004)
Tax Bill	$463 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Apr 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3A2-4-C-63`

Property Details

APN / Parcel Number

Primary APN	`3A2-4-C-63`
Alternative APN	`22092`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,000 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Material	Composition Shingle
Parking Spaces	1 Parking Space
Porch	Enclosed Porch

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	22092
Old Parcel Number	3A2-4-C-63
Street Address	809 ELKINS ST
City	COLONIAL BEACH
State	VA
Zip	22443-1905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DB
Legal Description	J N ROLLINS SUB LOTS 63 64 & 65 BK CDB 659 PG 629
Legal Subdivision	J N ROLLINS
Legal Block	C
Legal Lot Number	63 64
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2034
Census Tract	10402

Owner

809 Elkins St is owned and occupied by an individual who bought it in November 2004.

Source: Westmoreland County records, as of January 7, 2026

Owner of Record	Individual Name on File
Mailing Address	809 ELKINS ST, COLONIAL BEACH, VA 22443-1905
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2026	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Apr 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2004 · Amount on File
Deed Sale	Nov 4, 2004 · Amount on File
Deed Document Number	0000659629
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Recording Date	Jun 9, 2026
Property Address	809 ELKINS ST, COLONIAL BEACH, VA 22443-1905
Document Number	1004000784
Book / Page	1004 / 784
Instrument Date	May 23, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 ELKINS ST, COLONIAL BEACH, VA 22443-1905

Mortgage

Document Number	1004000784,
Date	Jun 9, 2026
Book Page	1004/784

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.23%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Recording Date	Apr 27, 2026
Property Address	809 ELKINS ST, COLONIAL BEACH, VA 22443-1905
Document Number	1002002054
Book / Page	1002 / 2054
Instrument Date	Apr 2, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	VISIONET SYSTEMS INC, VISIONET SYSTEMS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 ELKINS ST, COLONIAL BEACH, VA 22443-1905

Mortgage

Document Number	1002002054,
Date	Apr 27, 2026
Book Page	1002/2054

Lender

Name	ROYAL UNITED MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 809 Elkins St was $463.

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	$463.00	$110,400 Land $47,500 Building $62,900	$110,400 Land $47,500 Building $62,900
2023		$110,400 Land $47,500 Building $62,900	$110,400 Land $47,500 Building $62,900
2022	$441.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 809 Elkins St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 95 individual policies
Nearby Flood Policies	103 units insured incl. 8 condo units
Nearby Flood Claims	3 (2015–2023)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Nov 2023 · 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

Wildfire risk around 809 Elkins St is low, with a 0.01% annual chance of 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	Direct burnable vegetation

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 223 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
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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