Frederick County property record for 107 Masters Dr, Cross Junction, VA 22625
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,399 sqft · built 1988 |
| Lot Size | 0.28 acres (12,086 sqft) |
| Owner | Individual Name on File |
| Last Sale | $259,500 (Dec 2016) |
| Tax Bill | $2,412 (2026) |
| Deeds & Mortgages | Feb 2022 Line of Credit Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A022-9-265 |
| Primary APN | 18A022-9-265 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,399 sqft Living Area |
| Gross Area | 4,706 sqft |
| 1st Floor Area | 1,137 sqft |
| Basement Area | 899 sqft |
| Finished Basement | 899 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,086 sqft (0.28 acres) |
| Terrain | Rolling |
| Garage Area | 451 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 66 sqft |
| Patio Area | 434 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8001644 |
|---|---|
| Street Address | 107 MASTERS DR |
| City | CROSS JUNCTION |
| State | VA |
| Zip | 22625-2438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LAKE HOLIDAY EST. L265 P9 S2 |
| Legal Subdivision | LAKE HOLIDAY |
| Legal Phase | 9 |
| Legal Lot Number | 265 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 50300 |
Source: Frederick County records, as of August 18, 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 | Individual Name on File |
|---|---|
| Mailing Address | 107 MASTERS DR, CROSS JUNCTION, VA 22625-2438 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 14, 2022 | Deed of Trust, Mortgage · Line of Credit APPLE FEDERAL CREDIT UNION |
| Nov 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage APPLE FEDERAL CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 16, 2016 · Amount on File |
| Deed Sale | Dec 16, 2016 · Amount on File |
| Deed Document Number | 201612753 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 107 MASTERS DR, CROSS JUNCTION, VA 22625-2438 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2022 |
| Title Company | CHAMPION TITLE AGENCY, CHAMPION TITLE & SETTLEMENTS |
| Name | Verified Name |
|---|
| Document Number | 0000002013 |
|---|---|
| Date | Feb 14, 2022 |
| Instrument | 220002013 |
| Name | APPLE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 8, 2052 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 107 MASTERS DR, CROSS JUNCTION, VA 22625-2438 |
| Transaction Type | Mortgage |
| Record Updated | Dec 7, 2021 |
| Title Company | CHAMPION TITLE AGENCY, CHAMPION TITLE & SETTLEMENTS |
| Name | Verified Name |
|---|
| Document Number | 0000018828 |
|---|---|
| Date | Nov 8, 2021 |
| Instrument | 210018828 |
| Name | APPLE FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| 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 | $2,412.00 (+10.44%) | $455,100 Land $58,000 Building $397,100 | $455,100 Land $58,000 Building $397,100 |
| 2025 | $2,184.00 |
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 |
|---|---|
| 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.
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 | 0.03% 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 94 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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