Frederick County property record for 108 Colonial Dr, Cross Junction, VA 22625
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,208 sqft · built 2015 |
| Lot Size | 0.28 acres (12,335 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $400,000 (Nov 2021) |
| Tax Bill | $2,466 (2026) |
| Deeds & Mortgages | Jun 2021 Refinance Nov 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A107-2-1168 |
| Primary APN | 18A107-2-1168 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 16 Rooms |
| Stories | 2 Stories |
| Building Area | 2,208 sqft Living Area |
| Gross Area | 4,112 sqft |
| 1st Floor Area | 1,032 sqft |
| Basement Area | 838 sqft |
| Finished Basement | 838 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,335 sqft (0.28 acres) |
| Terrain | Rolling |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 80 sqft |
| Deck Area | 352 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8003559 |
|---|---|
| Street Address | 108 COLONIAL DR |
| City | CROSS JUNCTION |
| State | VA |
| Zip | 22625-2493 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LAKE HOLIDAY EST. L1168 P 2 S7 |
| Legal Subdivision | LAKE HOLIDAY |
| Legal Phase | 2 |
| Legal Lot Number | 1168 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 50300 |
108 Colonial Dr is owned and occupied by two individuals who bought it in November 2021.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 108 COLONIAL DR, CROSS JUNCTION, VA 22625-2493 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 14, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC |
| Nov 15, 2021 | Warranty Deed, Transfer · Conventional Mortgage INTEGRITY HOME MORTGAGE CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 15, 2021 · Amount on File |
| Deed Sale | Nov 15, 2021 · Amount on File |
| Prior Sale | Apr 20, 2015 · Amount on File |
| Deed Document Number | 202119259 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 108 COLONIAL DR, CROSS JUNCTION, VA 22625-2493 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000009959 |
|---|---|
| Date | Jun 14, 2021 |
| Instrument | 210009959 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.38% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Nov 15, 2021 |
| Property Address | 108 COLONIAL DR, CROSS JUNCTION, VA 22625-2493 |
| Document Number | 0000019259 |
| Instrument Date | Nov 12, 2021 |
| Instrument | 210019259 |
| Transaction Type | Transfer |
| Record Updated | Dec 8, 2021 |
| Title Company | REGIS TITLE LLC, RGS TITLE LLC |
| Amount | Amount on Record |
|---|---|
| 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 | 108 COLONIAL DR, CROSS JUNCTION, VA 22625-2493 |
| Document Number | 0000019260 |
|---|---|
| Date | Nov 15, 2021 |
| Instrument | 210019260 |
| Name | INTEGRITY HOME MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 108 Colonial Dr was $2,466, 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 | $2,466.00 (+10.43%) | $465,260 Land $58,000 Building $407,260 | $465,260 Land $58,000 Building $407,260 |
| 2025 | $2,233.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 108 Colonial 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 108 Colonial 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 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 55 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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