1044 W Masters Dr, Cross Junction, VA 22625 Property Records

Frederick County property record for 1044 W Masters Dr, Cross Junction, VA 22625

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,837 sqft · built 2018
Lot Size	0.37 acres (15,913 sqft)
Owner	2 Individual Names on File
Last Sale	$304,149 (Dec 2018)
Tax Bill	$2,769 (2026)
Deeds & Mortgages	Mar 2019 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A0710-586`

Property Details

APN / Parcel Number

Primary APN	`18A0710-586`
Alternative APN	`8002800`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,837 sqft Living Area
Gross Area	4,399 sqft
1st Floor Area	1,784 sqft
Basement Area	1,559 sqft
Finished Basement	1,559 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2024
Exterior Material	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,913 sqft (0.37 acres)
Terrain	Rolling
Garage Area	452 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	110 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	8002800
Street Address	1044 W MASTERS DR
City	CROSS JUNCTION
State	VA
Zip	22625-2437
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LAKE HOLIDAY EST. L586 S 10
Legal Subdivision	LAKE HOLIDAY
Legal Lot Number	586
Jurisdiction	FREDERICK VA
Township / Civil Division	GAINESBORO
Census Block Group	4
Census Block	4002
Census Tract	50300

Owner

1044 W Masters Dr is owned and occupied by two individuals who bought it in December 2018.

Source: Frederick County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1044 W MASTERS DR, CROSS JUNCTION, VA 22625-2437
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
Mar 13, 2019	Deed of Trust, Mortgage NAVY FCU
Dec 10, 2018	Grant Deed, Transfer · Conventional Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2018 · Amount on File
Deed Sale	Dec 10, 2018 · Amount on File
Deed Document Number	201812176
Record Updated	Sep 20, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	1044 W MASTERS DR, CROSS JUNCTION, VA 22625-2437
Document Number	0000002351
Instrument Date	Mar 13, 2019
Transaction Type	Mortgage
Record Updated	Apr 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1044 W MASTERS DR CROSS JUNCTION VA 226252437, CROSS JUNCTION, VA 22625-2437

Mortgage

Document Number	0000002351
Date	Mar 18, 2019
Instrument	2351

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 17, 2049

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Dec 10, 2018
Property Address	1044 W MASTERS DR, CROSS JUNCTION, VA 22625-2437
Document Number	0000012176
Instrument Date	Nov 21, 2018
Instrument	12176
Transaction Type	Transfer
Record Updated	Dec 21, 2018
Title Company	COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$304.15
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1044 W MASTERS DR CROSS JUNCTION VA 22625, CROSS JUNCTION, VA 22625

Mortgage

Document Number	12177
Date	Dec 10, 2018
Instrument	12177

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 9, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 1044 W Masters Dr was $2,769, up 10.4% from the year before.

Source: Frederick County assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,769.00 (+10.41%)	$522,400 Land $58,000 Building $464,400	$522,400 Land $58,000 Building $464,400
2025	$2,508.00

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

Flood

FEMA maps place 1044 W Masters Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	4 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 1044 W Masters Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 56% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	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

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 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on W Masters Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures