Frederick County property record for 101 Waterside Ln, Cross Junction, VA 22625
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 1,734 sqft · built 2004 |
| Lot Size | 0.3 acres (13,098 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $299,900 (Dec 2019) |
| Tax Bill | $2,438 (2026) |
| Deeds & Mortgages | Jul 2021 Refinance Apr 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A055A-1-1 |
| Primary APN | 18A055A-1-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,734 sqft Living Area |
| Gross Area | 3,512 sqft |
| 1st Floor Area | 768 sqft |
| Basement Area | 768 sqft |
| Finished Basement | 768 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 13,098 sqft (0.3 acres) |
| Terrain | Rolling |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 48 sqft |
| Deck Area | 286 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8002130 |
|---|---|
| Street Address | 101 WATERSIDE LN |
| City | CROSS JUNCTION |
| State | VA |
| Zip | 22625-2469 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LAKE HOLIDAY EST. L1 P1 S .5A |
| Legal Subdivision | LAKE HOLIDAY |
| Legal Phase | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 50300 |
Source: Frederick County records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 101 WATERSIDE LN, CROSS JUNCTION, VA 22625-2469 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 7, 2021 | Intrafamily Transfer, Transfer · Stand-Alone Refinance INTEGRITY HOME MORTGAGE CORPORATION |
| Apr 21, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST COMPANY |
| Dec 5, 2019 | Warranty Deed, Transfer · FHA Mortgage INTEGRITY HOME MORTGAGE CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 5, 2019 · Amount on Record |
| Deed Sale | Dec 5, 2019 · Amount on Record |
| Prior Sale | Mar 4, 2003 · Amount on Record |
| Deed Document Number | 201913146 |
| Last Transfer Date | Jun 2, 2021 |
| Transfer Doc | 0000011445 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Jul 7, 2021 |
| Property Address | 101 WATERSIDE LN, CROSS JUNCTION, VA 22625-2469 |
| Document Number | 0000011445 |
| Instrument Date | Jun 2, 2021 |
| Instrument | 210011445 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 101 WATERSIDE LN, CROSS JUNCTION, VA 22625-2469 |
| Document Number | 0000011446 |
|---|---|
| Date | Jul 7, 2021 |
| Instrument | 210011446 |
| Name | INTEGRITY HOME MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.63% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 101 WATERSIDE LN, CROSS JUNCTION, VA 22625-2469 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000003952 |
|---|---|
| Date | Apr 21, 2017 |
| Instrument | 170003952 |
| Name | FIRST CITIZENS BANK & TRUST COMPANY |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Dec 5, 2019 |
| Property Address | 101 WATERSIDE LN, CROSS JUNCTION, VA 22625-2469 |
| Document Number | 0000013146 |
| Instrument Date | Dec 3, 2019 |
| Instrument | 190013146 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2021 |
| Title Company | RGS TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 101 WATERSIDE LN, CROSS JUNCTION, VA 22625-2469 |
| Document Number | 0000013147 |
|---|---|
| Date | Dec 5, 2019 |
| Instrument | 190013147 |
| Name | INTEGRITY HOME MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Frederick County assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,438.00 (+10.42%) | $460,000 Land $58,000 Building $402,000 | $460,000 Land $58,000 Building $402,000 |
| 2025 | $2,208.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 3, 2023 · 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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2018) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2018 |
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAKE HOLIDAY ESTATES private · serves 2,130 people · EPA ID VA2069650 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures