Frederick County property record for 120 Waterside Ln, Cross Junction, VA 22625 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5.5 ba · 3,435 sqft · built 2007 |
| Lot Size | 0.26 acres (11,220 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $962,250 (Feb 2008) |
| Tax Bill | $4,884 (2026) |
| Deeds & Mortgages | Apr 2018 Mortgage Jan 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A055B-2-1237 |
| Primary APN | 18A055B-2-1237 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 13 Rooms |
| Stories | 1 Story |
| Building Area | 3,435 sqft Living Area |
| Gross Area | 6,852 sqft |
| 1st Floor Area | 1,817 sqft |
| Basement Area | 1,817 sqft |
| Finished Basement | 1,817 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,220 sqft (0.26 acres) |
| Terrain | Wooded |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 151 sqft |
| Deck Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8002401 |
|---|---|
| Street Address | 120 WATERSIDE LN |
| City | CROSS JUNCTION |
| State | VA |
| Zip | 22625-2468 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKE HOLIDAY EST.L1237 P2 S.5B |
| Legal Subdivision | LAKE HOLIDAY |
| Legal Phase | 2 |
| Legal Lot Number | 1237 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 50300 |
Source: Frederick County records · APN 18A055B-2-1237
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 | 120 WATERSIDE LN, CROSS JUNCTION, VA 22625-2468 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 23, 2018 | Deed of Trust, Mortgage · ARM UNITED BANK |
| Jan 11, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 06, 2008 · Amount on Record |
| Deed Sale | Feb 06, 2008 · Amount on Record |
| Deed Book / Page | 800 / 1479 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 120 WATERSIDE LN, CROSS JUNCTION, VA 22625-2468 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Title Company | ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 0000003763 |
|---|---|
| Date | Apr 23, 2018 |
| Instrument | 180003763 |
| Name | UNITED BANK |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 01, 2025 |
| Margin | 3 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 120 WATERSIDE LN, CROSS JUNCTION, VA 22625-2468 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Title Company | DIRECT TITLE SOLUTIONS INC |
| Name | Verified Name |
|---|
| Document Number | 0000000555 |
|---|---|
| Date | Jan 11, 2021 |
| Instrument | 210000555 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
| Rate Type | Fixed Rate |
|---|
Source: Frederick County records · Assessment roll updated July 9, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
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 | $4,884.00 (+10.4%) | $921,600 Land $153,000 Building $768,600 | $921,600 Land $153,000 Building $768,600 |
| 2025 | $4,424.00 |
Source: FEMA National Flood Hazard Layer, Frederick County (51069C), updated February 3, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510690503003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2018) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2018 |
| Wildfire Risk | Low above 20% of the US · above 29% of Virginia |
|---|---|
| Wildfire Likelihood | About 1 in 7,692 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 80 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
| Verizon | Fixed Wireless | 300 / 20 |
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