Westmoreland County property record for 920 Monroe Bay Ave, Colonial Beach, VA 22443
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,810 sqft · built 1954 |
| Lot Size | 0.054 acres (2,357 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,383 (2025) |
| Deeds & Mortgages | Feb 2024 Second Mortgage Oct 2019 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3A1-2-29-1 |
| Primary APN | 3A1-2-29-1 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,810 sqft Living Area |
| Sunroom | Sunroom |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Conventional |
| Exterior Material | Other |
| Construction Type | Wood |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 2,357 sqft (0.054 acres) |
| Pool Area | 512 sqft |
| Porch | Slab |
| Boat Lift | Boat Lift |
| Heating System | Central |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 22845 |
|---|---|
| Street Address | 920 MONROE BAY AVE |
| City | COLONIAL BEACH |
| State | VA |
| Zip | 22443-2727 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DB |
| Legal Description | SOUTHERN 90 FT PTS OF LOTS 1 2 3 & 4 BK 29DB 905 PG 329/330 |
| Legal Block | 29 |
| Legal Lot Number | 1-4 |
| Jurisdiction | WESTMORELAND VA |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 10402 |
920 Monroe Bay Ave is owned and occupied by an individual.
Source: Westmoreland County records, as of October 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 920 MONROE BAY AVE, COLONIAL BEACH, VA 22443-2727 |
| 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.
| Date | Document |
|---|---|
| Feb 16, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Oct 29, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance NSWC FCU |
| Mar 13, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NSWC FEDERAL CREDIT UNION |
| May 8, 2018 | Deed of Trust, Mortgage · Conventional Mortgage NSWC FEDERAL CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTMORELAND VA |
| Property Address | 920 MONROE BAY AVE, COLONIAL BEACH, VA 22443-2727 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2024 |
| Title Company | NOT AVAILABLE, MULTIPLE |
| Name | Verified Name |
|---|
| Document Number | 0009760998 |
|---|---|
| Date | Feb 16, 2024 |
| Instrument | 09760998 |
| Name | DISCOVER BANK |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 12, 2039 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTMORELAND VA |
| Property Address | 920 MONROE BAY AVE, COLONIAL BEACH, VA 22443-2727 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 09241900 |
|---|---|
| Date | Oct 29, 2019 |
| Instrument | 09241900 |
| Name | NSWC FCU |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2034 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTMORELAND VA |
| Property Address | 920 MONROE BAY AVE, COLONIAL BEACH, VA 22443-2727 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2019 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 09170523 |
|---|---|
| Date | Mar 13, 2019 |
| Instrument | 09170523 |
| Name | NSWC FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Feb 27, 2034 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTMORELAND VA |
| Property Address | 920 MONROE BAY AVE, COLONIAL BEACH, VA 22443-2727 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2018 |
| Name | Verified Name |
|---|
| Document Number | 9070401 |
|---|---|
| Date | May 8, 2018 |
| Instrument | 9070401 |
| Name | NSWC FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 1, 2028 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.63% |
The 2025 property tax bill for 920 Monroe Bay Ave was $1,383.
Source: Westmoreland County assessment roll, as of January 8, 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Colonial Beach Town |
| County | Westmoreland County |
| Unified School District | Colonial Beach Town Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,383.00 | $329,500 Land $130,500 Building $199,000 | $329,500 Land $130,500 Building $199,000 |
| 2023 | $329,500 Land $130,500 Building $199,000 | $329,500 Land $130,500 Building $199,000 | |
| 2022 | $1,318.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 920 Monroe Bay Ave in Zone X, an area of minimal flood risk, within 100 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 100 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 risk around 920 Monroe Bay Ave is low, with less than 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 95% of the US · lower than 97.5% of Virginia |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 209 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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