Frederick County property record for 108 Masters Dr, Cross Junction, VA 22625
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,085 sqft · built 1993 |
| Lot Size | 0.25 acres (10,999 sqft) |
| Owner | Individual Name on File |
| Last Sale | $270,000 (Jul 2020) |
| Tax Bill | $1,889 (2026) |
| Deeds & Mortgages | Feb 2020 Line of Credit Jul 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A022-9-271 |
| Primary APN | 18A022-9-271 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,085 sqft Living Area |
| Gross Area | 5,051 sqft |
| 1st Floor Area | 1,240 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Brick |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,999 sqft (0.25 acres) |
| Terrain | Rolling |
| Garage Area | 452 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 214 sqft |
| Deck Area | 396 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8001650 |
|---|---|
| Street Address | 108 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. L271 P9 S2 |
| Legal Subdivision | LAKE HOLIDAY |
| Legal Phase | 9 |
| Legal Lot Number | 271 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 50300 |
108 Masters Dr is owned and occupied by an individual who bought it in July 2020.
Source: Frederick County records, as of August 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 108 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.
| Date | Document |
|---|---|
| Feb 11, 2020 | Deed of Trust, Mortgage · Line of Credit APPLE FEDERAL CREDIT UNION |
| Jul 27, 2020 | Warranty Deed, Transfer · Conventional Mortgage HOMESPIRE MORTGAGE CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 27, 2020 · Amount on File |
| Deed Sale | Jul 27, 2020 · Amount on File |
| Deed Document Number | 20209539 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 108 MASTERS DR, CROSS JUNCTION, VA 22625-2428 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Title Company | CHAMPION TITLE & STLMNTS INC |
| Name | Verified Name |
|---|
| Document Number | 0000001647 |
|---|---|
| Date | Feb 11, 2020 |
| Instrument | 200001647 |
| Name | APPLE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 4, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Jul 27, 2020 |
| Property Address | 108 MASTERS DR, CROSS JUNCTION, VA 22625-2428 |
| Document Number | 0000009539 |
| Instrument Date | Jul 24, 2020 |
| Instrument | 200009539 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount 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 MASTERS DR, CROSS JUNCTION, VA 22625-2428 |
| Document Number | 0000009540 |
|---|---|
| Date | Jul 27, 2020 |
| Instrument | 200009540 |
| Name | HOMESPIRE MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 108 Masters Dr was $1,889, 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 | $1,889.00 (+10.4%) | $356,500 Land $58,000 Building $298,500 | $356,500 Land $58,000 Building $298,500 |
| 2025 | $1,711.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 108 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 108 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 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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