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

Westmoreland County property record for 97 Ebb Tide Dr, Colonial Beach, VA 22443

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,410 sqft · built 2004
Lot Size	5.21 acres (227,078 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,844 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-33E`

Property Details

APN / Parcel Number

Primary APN	`10-33E`
Alternative APN	`25598`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,410 sqft Living Area
Sunroom	Sunroom
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	227,078 sqft (5.21 acres)
Parking Spaces	4 Parking Spaces
Pool Area	434 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	25598
Old Parcel Number	10-33E
Street Address	97 EBB TIDE DR
City	COLONIAL BEACH
State	VA
Zip	22443-5069
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF BLEAK HALL 5.2131ACDB 624 PG 315 R/S
Jurisdiction	WESTMORELAND VA
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3022
Census Tract	10300

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	97 EBB TIDE DR, COLONIAL BEACH, VA 22443-5069
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Oct 4, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC
Feb 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NEW AMERICAN FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2003
Deed Sale	Dec 1, 2003
Deed Document Number	0000624315
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Recording Date	Jun 4, 2026
Property Address	97 EBB TIDE DR, COLONIAL BEACH, VA 22443-5069
Document Number	1004000493
Book / Page	1004 / 493
Instrument Date	May 22, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK, SERVICE LINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 EBB TIDE DR, COLONIAL BEACH, VA 22443-5069

Mortgage

Document Number	1004000493,
Date	Jun 4, 2026
Book Page	1004/493

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jun 1, 2066

Interest

Rate Type	Adjustable Rate
Rate	7%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	97 EBB TIDE DR, COLONIAL BEACH, VA 22443-5069
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009240395
Date	Oct 4, 2019
Instrument	09240395

Lender

Name	QUICKEN LOANS INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate
Rate	2.88%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	97 EBB TIDE DR, COLONIAL BEACH, VA 22443-5069
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009400392
Date	Feb 3, 2021
Instrument	09400392

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	358 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.25%

Tax Assessment & Valuation

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	$3,844.00 (+9.7%)	$565,300 (-) Land $122,700 Building $442,600	$565,300 (-) Land $122,700 Building $442,600
2023	$3,504.00	$565,300 Land $122,700 Building $442,600	$565,300 Land $122,700 Building $442,600

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

Flood

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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