108 Sunset Cir, Cross Junction, VA 22625 Property Records

Frederick County property record for 108 Sunset Cir, Cross Junction, VA 22625

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,000 sqft · built 1978
Lot Size	0.4 acres (17,609 sqft)
Owner	Individual Name on File
Last Sale	$171,500 (Dec 2017)
Tax Bill	$1,403 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Dec 2023 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A011-8-81`

Property Details

APN / Parcel Number

Primary APN	`18A011-8-81`
Alternative APN	`8001432`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,000 sqft Living Area
Gross Area	2,756 sqft
1st Floor Area	1,000 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2008
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,609 sqft (0.4 acres)
Terrain	Wooded
Garage Area	300 sqft
Parking Spaces	1 Parking Space
Deck Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	8001432
Street Address	108 SUNSET CIR
City	CROSS JUNCTION
State	VA
Zip	22625-2458
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LAKE HOLIDAY EST. L81 P8 S1
Legal Subdivision	LAKE HOLIDAY
Legal Phase	8
Legal Lot Number	81
Jurisdiction	FREDERICK VA
Township / Civil Division	GAINESBORO
Census Block Group	4
Census Block	4014
Census Tract	50300

Owner

108 Sunset Cir is owned and occupied by an individual who bought it in December 2017.

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

Owner of Record	Individual Name on File
Mailing Address	108 SUNSET CIR, CROSS JUNCTION, VA 22625-2458
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
Jul 30, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Dec 26, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Feb 2, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Dec 8, 2017	Grant Deed, Transfer PRIME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2017 · Amount on File
Deed Sale	Dec 8, 2017 · Amount on File
Prior Sale	Feb 7, 2012 · Amount on File
Deed Document Number	201712885
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Recording Date	Jul 30, 2026
Property Address	108 SUNSET CIR, CROSS JUNCTION, VA 22625-2458
Document Number	0000007856
Instrument Date	May 12, 2026
Instrument	20267856
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 SUNSET CIR, CROSS JUNCTION, VA 22625-2458

Mortgage

Document Number	0000007856,
Date	Jul 30, 2026
Instrument	20267856

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	306 Months
Due	Jan 1, 2052

Interest

Rate	6.3%
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	108 SUNSET CIR, CROSS JUNCTION, VA 22625-2458
Transaction Type	Mortgage
Record Updated	Jan 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011256
Date	Dec 26, 2023
Instrument	230011256

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	337 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	108 SUNSET CIR, CROSS JUNCTION, VA 22625-2458
Transaction Type	Mortgage
Record Updated	Feb 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001455
Date	Feb 2, 2022
Instrument	220001455

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Dec 8, 2017
Property Address	108 SUNSET CIR, CROSS JUNCTION, VA 22625-2458
Document Number	0000012885
Instrument Date	Dec 8, 2017
Instrument	12885
Transaction Type	Transfer
Record Updated	Jan 30, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$171.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	108 SUNSET CIR CROSS JUNCTION VA 226252458, CROSS JUNCTION, VA 22625-2458

Mortgage

Document Number	12886
Date	Dec 8, 2017
Instrument	12886

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 7, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 108 Sunset Cir was $1,403, 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	$1,403.00 (+10.39%)	$264,800 Land $58,000 Building $206,800	$264,800 Land $58,000 Building $206,800
2025	$1,271.00

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

Flood

FEMA maps place 108 Sunset Cir 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 108 Sunset Cir 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 123 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Sunset Cir

Nearby Streets

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