115 Colonial Dr, Cross Junction, VA 22625 Property Records

Frederick County property record for 115 Colonial Dr, Cross Junction, VA 22625 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,671 sqft · built 2011
Lot Size	0.3 acres (13,276 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Aug 2019)
Tax Bill	$2,108 (2026)
Deeds & Mortgages	Mar 2026 Line of Credit Jul 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A107-2-1160`

Property Details

APN / Parcel Number

Primary APN	`18A107-2-1160`
Alternative APN	`8003551`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,671 sqft Living Area
Gross Area	3,256 sqft
1st Floor Area	924 sqft
Basement Area	924 sqft
Unfinished Basement	924 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2021
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,276 sqft (0.3 acres)
Terrain	Rolling
Garage Area	452 sqft
Parking Spaces	2 Parking Spaces
Deck Area	208 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8003551
Street Address	115 COLONIAL DR
City	CROSS JUNCTION
State	VA
Zip	22625-2493
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE HOLIDAY EST. L1160 P 2 S7
Legal Subdivision	LAKE HOLIDAY
Legal Phase	2
Legal Lot Number	1160
Jurisdiction	FREDERICK VA
Township / Civil Division	GAINESBORO
Census Block Group	4
Census Block	4005
Census Tract	50300

Owner

Source: Frederick County records · APN 18A107-2-1160

Assessment roll updated July 9, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	115 COLONIAL DR, CROSS JUNCTION, VA 22625-2493
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 02, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jul 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance INTERFIRST MORTGAGE COMPANY
Aug 13, 2019	Warranty Deed, Transfer · FHA Mortgage HOMESPIRE MORTGAGE CORPORATION
Feb 13, 2018	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 13, 2019 · Amount on Record
Deed Sale	Aug 13, 2019 · Amount on Record
Prior Sale	Feb 13, 2018 · Amount on Record
Deed Document Number	20198212
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	115 COLONIAL DR, CROSS JUNCTION, VA 22625-2493
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001949
Date	Mar 02, 2026
Instrument	260001949

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 01, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	115 COLONIAL DR, CROSS JUNCTION, VA 22625-2493
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012734
Date	Jul 30, 2021
Instrument	210012734

Lender

Name	INTERFIRST MORTGAGE COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

Interest

Rate Type	Fixed Rate

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Aug 13, 2019
Property Address	115 COLONIAL DR, CROSS JUNCTION, VA 22625-2493
Document Number	0000008212
Instrument Date	Aug 12, 2019
Instrument	190008212
Transaction Type	Transfer
Record Updated	May 28, 2021
Title Company	FREEDOM SETTLEMENT GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 COLONIAL DR, CROSS JUNCTION, VA 22625-2493

Mortgage

Document Number	0000008213
Date	Aug 13, 2019
Instrument	190008213

Lender

Name	HOMESPIRE MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Feb 13, 2018
Property Address	115 COLONIAL DR, CROSS JUNCTION, VA 22625-2493
Document Number	0000001373
Instrument Date	Feb 08, 2018
Instrument	1373
Transaction Type	Transfer
Record Updated	Feb 23, 2018
Title Company	MBH SETTLEMENT GROUP LC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$224.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	115 COLONIAL DR CROSS JUNCTION VA 226252493, CROSS JUNCTION, VA 22625-2493

Mortgage

Document Number	1374
Date	Feb 13, 2018
Instrument	1374

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 12, 2048

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated July 9, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,108.00 (+10.42%)	$397,800 (-) Land $58,000 Building $339,800	$397,800 (-) Land $58,000 Building $339,800
2025	$1,909.00	$397,800 Land $58,000 Building $339,800	$397,800 Land $58,000 Building $339,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (51069C), updated February 3, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510690503004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 3,226 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 55 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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