Frederick County property record for 115 Waterside Ln, Cross Junction, VA 22625
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,462 sqft · built 2005 |
| Lot Size | 0.25 acres (11,055 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $342,300 (Feb 2019) |
| Tax Bill | $3,220 (2026) |
| Deeds & Mortgages | Jun 2026 Transfer Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A055B-2-1211 |
| Primary APN | 18A055B-2-1211 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 13 Rooms |
| Stories | 1 Story |
| Building Area | 2,462 sqft Living Area |
| Gross Area | 6,095 sqft |
| 1st Floor Area | 2,462 sqft |
| Basement Area | 2,462 sqft |
| Finished Basement | 2,462 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Vinyl |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,055 sqft (0.25 acres) |
| Terrain | Wooded |
| Garage Type | Built-in |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 130 sqft |
| Deck Area | 607 sqft |
| Patio Area | 868 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8002389 |
|---|---|
| Street Address | 115 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.L1211 P2 S.5B |
| Legal Subdivision | LAKE HOLIDAY |
| Legal Phase | 2 |
| Legal Lot Number | 1211 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 50300 |
Source: Frederick County records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 115 WATERSIDE LN, CROSS JUNCTION, VA 22625-2469 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Jun 29, 2026 | Gift Deed, Transfer NONE LISTED ON DOCUMENT |
| Nov 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AAFMAA MTG SVCS LLC |
| Feb 26, 2019 | Warranty Deed, Transfer · VA Mortgage FIRST FEDERAL COMMUNITY BANK OF BUC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 26, 2019 · Amount on Record |
| Deed Sale | Feb 26, 2019 · Amount on Record |
| Prior Sale | Sep 30, 2005 · Amount on Record |
| Deed Document Number | 20191625 |
| Last Transfer Date | Jun 23, 2026 |
| Transfer Doc | 0000006583 |
| Record Updated | Sep 20, 2026 |
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Jun 29, 2026 |
| Property Address | 115 WATERSIDE LN, CROSS JUNCTION, VA 22625-2469 |
| Document Number | 0000006583 |
| Instrument Date | Jun 23, 2026 |
| Instrument | 20266583 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 115 WATERSIDE LN, CROSS JUNCTION, VA 22625-2469 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 115 WATERSIDE LN, CROSS JUNCTION, VA 22625-2469 |
| Document Number | 0000017308 |
| Instrument Date | Nov 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 115 WATERSIDE LN CROSS JUNCTION VA 226252469, CROSS JUNCTION, VA 22625-2469 |
| Document Number | 0000017308 |
|---|---|
| Date | Dec 1, 2020 |
| Instrument | 17308 |
| Name | AAFMAA MTG SVCS LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 30, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Feb 26, 2019 |
| Property Address | 115 WATERSIDE LN, CROSS JUNCTION, VA 22625-2469 |
| Document Number | 0000001625 |
| Instrument Date | Feb 22, 2019 |
| Instrument | 190001625 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| 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 | 115 WATERSIDE LN, CROSS JUNCTION, VA 22625-2469 |
| Document Number | 0000001626 |
|---|---|
| Date | Feb 26, 2019 |
| Instrument | 190001626 |
| Name | FIRST FEDERAL COMMUNITY BANK OF BUC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
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 | $3,220.00 (+10.43%) | $607,500 Land $58,000 Building $549,500 | $607,500 Land $58,000 Building $549,500 |
| 2025 | $2,916.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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