1074 Lakeview Dr, Cross Junction, VA 22625 Property Records

Frederick County property record for 1074 Lakeview Dr, Cross Junction, VA 22625

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,543 sqft · built 2020
Lot Size	0.25 acres (10,794 sqft)
Owner	2 Individual Names on File
Last Sale	$13,500 (Mar 2019)
Tax Bill	$3,467 (2026)
Deeds & Mortgages	Sep 2019 Construction Loan Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A033A-6-491`

Property Details

APN / Parcel Number

Primary APN	`18A033A-6-491`
Alternative APN	`8001823`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,543 sqft Living Area
Gross Area	6,230 sqft
1st Floor Area	2,542 sqft
Basement Area	594 sqft
Finished Basement	594 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2025
Exterior Material	Stone
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	10,794 sqft (0.25 acres)
Terrain	Wooded
Garage Type	Built-in
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	257 sqft
Patio Area	257 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8001823
Street Address	1074 LAKEVIEW DR
City	CROSS JUNCTION
State	VA
Zip	22625-2521
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LAKE HOLIDAY EST. L491 P6 S.3A
Legal Subdivision	LAKE HOLIDAY
Legal Phase	6
Legal Lot Number	491
Jurisdiction	FREDERICK VA
Township / Civil Division	GAINESBORO
Census Block Group	4
Census Block	4011
Census Tract	50300

Owner

1074 Lakeview Dr is owned and occupied by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1074 LAKEVIEW DR, CROSS JUNCTION, VA 22625-2521
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
Sep 26, 2019	Deed of Trust, Mortgage · Construction Mortgage GEORGE MASON MORTGAGE LLC
Sep 22, 2020	Deed of Trust, Mortgage MCLEAN MTG
Mar 28, 2019	Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2019 · Amount on File
Deed Sale	Mar 28, 2019 · Amount on File
Deed Document Number	20192686
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	1074 LAKEVIEW DR, CROSS JUNCTION, VA 22625-2521
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010098
Date	Sep 26, 2019
Instrument	190010098

Lender

Name	GEORGE MASON MORTGAGE LLC

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	372 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2026
Margin	3

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	1074 LAKEVIEW DR, CROSS JUNCTION, VA 22625-2521
Document Number	0000013666
Instrument Date	Sep 22, 2020
Transaction Type	Mortgage
Record Updated	Oct 23, 2020
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1074 LAKEVIEW DR CROSS JUNCTION VA 22625, CROSS JUNCTION, VA 22625

Mortgage

Document Number	0000013666
Date	Oct 1, 2020
Instrument	13666

Lender

Name	MCLEAN MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 30, 2050

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Mar 28, 2019
Property Address	1074 LAKEVIEW DR, CROSS JUNCTION, VA 22625-2521
Document Number	0000002686
Instrument Date	Mar 25, 2019
Instrument	2686
Transaction Type	Transfer
Record Updated	Apr 22, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$13.50
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	1098 LAKEVIEW DR CROSS JUNCTION VA 226252521, CROSS JUNCTION, VA 22625-2521

Tax Assessment & Valuation

The 2026 property tax bill for 1074 Lakeview Dr was $3,467, 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	$3,467.00 (+10.41%)	$654,200 Land $58,000 Building $596,200	$654,200 Land $58,000 Building $596,200
2025	$3,140.00

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

Flood

FEMA maps place 1074 Lakeview 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 1074 Lakeview 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.

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 185 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.

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