945 Ebb Tide Dr, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 945 Ebb Tide Dr, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,792 sqft · built 2019
Owner	Individual Name on File
Last Sale	$202,500 (Mar 2020)
Tax Bill	$1,557 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10B-2-F-13`

Property Details

APN / Parcel Number

Primary APN	`10B-2-F-13`
Alternative APN	`15971`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,792 sqft Living Area
Sunroom	Sunroom
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Porch	Open Porch
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	15971
Old Parcel Number	10B-2-F-13
Street Address	945 EBB TIDE DR
City	COLONIAL BEACH
State	VA
Zip	22443-5084
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DB
Legal Description	EBB TIDE BEACH LOT 13 BK F SEC BDB 929 PG 1992
Legal Subdivision	EBB TIDE BEACH
Legal Block	F
Legal Lot Number	13
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3044
Census Tract	10300

Owner

945 Ebb Tide Dr is owned and occupied by an individual who bought it in March 2020.

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

Owner of Record	Individual Name on File
Mailing Address	945 EBB TIDE DR, COLONIAL BEACH, VA 22443-5084
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
Dec 6, 2019	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES COMMUNITY BANK
Mar 30, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage C&F MORTGAGE CORPORATION
Jul 23, 2019	Special Warranty Deed, Transfer · Stand-Alone Second Mortgage ATLANTIC UNION BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2020 · Amount on File
Deed Sale	Mar 30, 2020 · Amount on File
Prior Sale	Jul 23, 2019 · Amount on File
Deed Document Number	0009291992
Deed Book / Page	929 / 1992
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	945 EBB TIDE DR, COLONIAL BEACH, VA 22443-5084
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09260307
Date	Dec 6, 2019
Instrument	09260307

Lender

Name	PEOPLES COMMUNITY BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Mar 30, 2020
Property Address	945 EBB TIDE DR, COLONIAL BEACH, VA 22443-5084
Document Number	0009291992
Instrument Date	Mar 30, 2020
Instrument	09291992
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 13, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
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	945 EBB TIDE DR, COLONIAL BEACH, VA 22443-5084

Mortgage

Document Number	0009291995
Date	Mar 30, 2020
Instrument	09291995

Lender

Name	C&F MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

July 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Jul 23, 2019
Property Address	945 EBB TIDE DR, COLONIAL BEACH, VA 22443-5084
Document Number	0009211284
Instrument Date	Jul 16, 2019
Instrument	09211284
Transaction Type	Transfer
Record Updated	Jan 13, 2022
Title Company	LAWYERS TITLE/WESTMORELAND

Transaction

Amount	Amount 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	PO BOX 160, COLONIAL BEACH, VA 22443-0160
Investor	Possibly a Property Investor

Mortgage

Document Number	09211289
Date	Jul 23, 2019
Instrument	09211289

Lender

Name	ATLANTIC UNION BANK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 945 Ebb Tide Dr was $1,557.

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	$1,557.00	$229,000 Land $18,500 Building $210,500	$229,000 Land $18,500 Building $210,500
2023	$1,419.00	$229,000 Land $18,500 Building $210,500	$229,000 Land $18,500 Building $210,500

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

Flood

FEMA maps place 945 Ebb Tide Dr in Zone X, an area of minimal flood risk.

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
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

Wildfire risk around 945 Ebb Tide Dr 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	BERKLEY BEACH - EBB TIDE BEACH private · serves 892 people · EPA ID VA4193120
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 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 205 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50

May also be available: Verizon.

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