Frederick County property record for 113 Waterside Ln, Cross Junction, VA 22625
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,118 sqft · built 2004 |
| Lot Size | 0.21 acres (9,233 sqft) |
| Owner | Individual Name on File |
| Last Sale | $299,900 (Jan 2020) |
| Tax Bill | $2,471 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Nov 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A055B-2-1210 |
| Primary APN | 18A055B-2-1210 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,118 sqft Living Area |
| Gross Area | 4,327 sqft |
| 1st Floor Area | 1,421 sqft |
| Basement Area | 711 sqft |
| Finished Basement | 711 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Stone |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 9,233 sqft (0.21 acres) |
| Terrain | Wooded |
| Garage Type | Built-in |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 286 sqft |
| Deck Area | 143 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8002388 |
|---|---|
| Street Address | 113 WATERSIDE LN |
| City | CROSS JUNCTION |
| State | VA |
| Zip | 22625-2469 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LAKE HOLIDAY EST.L1210 P2 S.5B |
| Legal Subdivision | LAKE HOLIDAY |
| Legal Phase | 2 |
| Legal Lot Number | 1210 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 50300 |
113 Waterside Ln is owned and occupied by an individual who bought it in January 2020.
Source: Frederick County records, as of August 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 113 WATERSIDE LN, CROSS JUNCTION, VA 22625-2469 |
| 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 |
|---|---|
| Apr 7, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT |
| Nov 12, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP |
| Jan 22, 2020 | Warranty Deed, Transfer · FHA Mortgage AMERISAVE MORTGAGE CORPORATION |
| Aug 23, 2017 | Loan Modification, Mortgage · Conventional Mortgage PENNYMAC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 22, 2020 · Amount on File |
| Deed Sale | Jan 22, 2020 · Amount on File |
| Prior Sale | Apr 25, 2014 · Amount on File |
| Deed Document Number | 2020813 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Apr 7, 2026 |
| Property Address | 113 WATERSIDE LN, CROSS JUNCTION, VA 22625-2469 |
| Document Number | 0000003277 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 20263277 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 113 WATERSIDE LN, CROSS JUNCTION, VA 22625-2469 |
| Document Number | 0000003277, |
|---|---|
| Date | Apr 7, 2026 |
| Instrument | 20263277 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 30, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 113 WATERSIDE LN, CROSS JUNCTION, VA 22625-2469 |
| Transaction Type | Mortgage |
| Record Updated | Dec 7, 2021 |
| Title Company | SECURITY SETTLEMENT SERVICES INC, EQUITY SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 0000019067 |
|---|---|
| Date | Nov 12, 2021 |
| Instrument | 210019067 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Jan 22, 2020 |
| Property Address | 113 WATERSIDE LN, CROSS JUNCTION, VA 22625-2469 |
| Document Number | 0000000813 |
| Instrument Date | Jan 17, 2020 |
| Instrument | 200000813 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2021 |
| Title Company | NATIONAL SETTLEMENT SERVICES |
| 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 | 113 WATERSIDE LN, CROSS JUNCTION, VA 22625-2469 |
| Document Number | 0000000814 |
|---|---|
| Date | Jan 22, 2020 |
| Instrument | 200000814 |
| Name | AMERISAVE MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 113 WATERSIDE LN, CROSS JUNCTION, VA 22625-2469 |
| Document Number | 0000010642 |
| Instrument Date | Aug 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Name | Verified Name |
|---|---|
| Address | 113 WATERSIDE LN CROSS JUNCTION VA 226252469, CROSS JUNCTION, VA 22625-2469 |
| Document Number | 0000010642 |
|---|---|
| Date | Oct 12, 2017 |
| Instrument | 10642 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 11, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
The 2026 property tax bill for 113 Waterside Ln was $2,471, 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 | $2,471.00 (+10.41%) | $466,300 (-) Land $58,000 Building $408,300 | $466,300 (-) Land $58,000 Building $408,300 |
| 2025 | $2,238.00 | $466,300 Land $58,000 Building $408,300 | $466,300 Land $58,000 Building $408,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 113 Waterside Ln 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 | 2 in force |
| Nearby Flood Claims | 1 (2018) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2018 |
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 113 Waterside Ln is low, with a 0.01% 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 | 0.01% 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.
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 80 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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