Frederick County property record for 106 Masters Dr, Cross Junction, VA 22625
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,816 sqft · built 1989 |
| Lot Size | 0.27 acres (11,816 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,703 (2026) |
| Deeds & Mortgages | Dec 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A022-9-270 |
| Primary APN | 18A022-9-270 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,816 sqft Living Area |
| Gross Area | 4,358 sqft |
| 1st Floor Area | 1,196 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,816 sqft (0.27 acres) |
| Terrain | Rolling |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 40 sqft |
| Deck Area | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8001649 |
|---|---|
| Street Address | 106 MASTERS DR |
| City | CROSS JUNCTION |
| State | VA |
| Zip | 22625-2428 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LAKE HOLIDAY EST. L270 P9 S2 |
| Legal Subdivision | LAKE HOLIDAY |
| Legal Phase | 9 |
| Legal Lot Number | 270 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 50300 |
106 Masters Dr is owned and occupied by an individual.
Source: Frederick County records, as of August 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 106 MASTERS DR, CROSS JUNCTION, VA 22625-2428 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 106 MASTERS DR, CROSS JUNCTION, VA 22625-2428 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | DIRECT TITLE SOLUTIONS INC |
| Name | Verified Name |
|---|
| Document Number | 0000013840 |
|---|---|
| Date | Dec 20, 2019 |
| Instrument | 190013840 |
| Name | INTEGRITY HOME MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 106 Masters Dr was $1,703, up 10.4% from the year before.
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 | $1,703.00 (+10.37%) | $321,400 Land $58,000 Building $263,400 | $321,400 Land $58,000 Building $263,400 |
| 2025 | $1,543.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 106 Masters Dr in Zone X, an area of minimal flood risk.
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 |
|---|---|
| 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 risk around 106 Masters Dr 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 | Direct burnable vegetation |
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 182 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 |
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