95 Potomac Ln, Colonial Beach, VA 22443 Property Records

Westmoreland County property record for 95 Potomac Ln, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,962 sqft · built 1992
Owner	Individual Name on File
Last Sale	$500,000 (Nov 2025)
Tax Bill	$2,290 (2025)
Deeds & Mortgages	Feb 2018 Refinance Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6H-11-38`

Property Details

APN / Parcel Number

Primary APN	`6H-11-38`
Alternative APN	`12628`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,962 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Mud Sill
Roof Material	Composition Shingle
Parking Spaces	1 Parking Space
Porch	Open Porch
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	12628
Old Parcel Number	6H-11-38
Street Address	95 POTOMAC LN
City	COLONIAL BEACH
State	VA
Zip	22443-4525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	POTOMAC SHORES LOT 38 SEC 11DB 381 PG 65
Legal Subdivision	11 POTOMAC SHORES
Legal Lot Number	38
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1013
Census Tract	10401

Owner

95 Potomac Ln is owned and occupied by an individual who bought it in November 2025.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	95 POTOMAC LN, COLONIAL BEACH, VA 22443-4525
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
Feb 2, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance NSWC FEDERAL CREDIT UNION
Nov 10, 2025	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2025 · Amount on File
Deed Sale	Nov 10, 2025 · Amount on File
Deed Document Number	0000997597
Deed Book / Page	997 / 597
Record Updated	Jun 8, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	95 POTOMAC LN, COLONIAL BEACH, VA 22443-4525
Transaction Type	Mortgage
Record Updated	Dec 3, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0009040117
Date	Feb 2, 2018
Instrument	9040117

Lender

Name	NSWC FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	240 Months
Due	Feb 10, 2038

Interest

Rate Type	Fixed Rate

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Nov 10, 2025
Property Address	95 POTOMAC LN, COLONIAL BEACH, VA 22443-4525
Document Number	000997/597
Book / Page	997 / 597
Instrument Date	Nov 5, 2025
Transaction Type	Transfer
Record Updated	Dec 3, 2025
Title Company	EKKO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	95 POTOMAC LN, COLONIAL BEACH, VA 22443-4525

Mortgage

Document Number	0000024569
Date	Nov 10, 2025
Instrument	245/69

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 95 Potomac Ln was $2,290.

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	$2,290.00	$336,800 (-) Land $39,200 Building $297,600	$336,800 (-) Land $39,200 Building $297,600
2024	$2,290.00 (+9.67%)	$336,800 (-) Land $39,200 Building $297,600	$336,800 (-) Land $39,200 Building $297,600
2023	$2,088.00	$336,800 Land $39,200 Building $297,600	$336,800 Land $39,200 Building $297,600

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

Flood

FEMA maps place 95 Potomac Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2021.

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
Flood Insurance Cost	Premium on File median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	2 (2021)
Most Recent Claim	Oct 2021 · tidal / storm surge

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 95 Potomac Ln is low, with a 0.02% 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	0.02% 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	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

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 91 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

May also be available: T-Mobile.

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