121 Waterside Ln, Cross Junction, VA 22625 Property Records

Frederick County property record for 121 Waterside Ln, Cross Junction, VA 22625

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,356 sqft · built 2004
Lot Size	0.28 acres (12,196 sqft)
Owner	2 Company Names on File
Last Sale	$475,000 (Apr 2026)
Tax Bill	$2,022 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A055B-2-1213`

Property Details

APN / Parcel Number

Primary APN	`18A055B-2-1213`
Alternative APN	`8002391`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,356 sqft Living Area
Gross Area	3,956 sqft
1st Floor Area	1,168 sqft
Basement Area	584 sqft
Unfinished Basement	584 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2018
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,196 sqft (0.28 acres)
Terrain	Rolling
Garage Type	Built-in
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	144 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8002391
Street Address	121 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.L1213 P2 S.5B
Legal Subdivision	LAKE HOLIDAY
Legal Phase	2
Legal Lot Number	1213
Jurisdiction	FREDERICK VA
Township / Civil Division	GAINESBORO
Census Block Group	3
Census Block	3007
Census Tract	50300

Owner

Source: Frederick County records · APN 18A055B-2-1213

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 Company Names on File
Mailing Address	121 WATERSIDE LN, CROSS JUNCTION, VA 22625-2469
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 01, 2026 · Amount on Record
Deed Sale	Apr 01, 2026 · Amount on Record
Prior Sale	Sep 14, 2011 · Amount on Record
Deed Document Number	20263101
Record Updated	Sep 20, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK VA
Recording Date	Apr 01, 2026
Property Address	121 WATERSIDE LN, CROSS JUNCTION, VA 22625-2469
Document Number	0000003101
Instrument Date	Mar 30, 2026
Instrument	20263101
Transaction Type	Transfer
Record Updated	Apr 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$47,975.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	121 WATERSIDE LN, CROSS JUNCTION, VA 22625-2469

Mortgage

Document Number	0000003102,
Date	Apr 01, 2026
Instrument	20263102

Lender

Name	P N C BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

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	$2,022.00 (+10.43%)	$381,500 (-) Land $58,000 Building $323,500	$381,500 (-) Land $58,000 Building $323,500
2025	$1,831.00	$381,500 Land $58,000 Building $323,500	$381,500 Land $58,000 Building $323,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (51069C), as of February 3, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510690503003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

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 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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 80 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system VA2069650, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	LAKE HOLIDAY ESTATES private · serves 2,130 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.