Frederick County property record for 124 Waterside Ln, Cross Junction, VA 22625
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3.5 ba · 2,047 sqft · built 2004 |
| Lot Size | 0.26 acres (11,264 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $490,000 (Aug 2016) |
| Tax Bill | $2,853 (2026) |
| Deeds & Mortgages | Feb 2024 Transfer Oct 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A055B-2-1235 |
| Primary APN | 18A055B-2-1235 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 12 Rooms |
| Stories | 1 Story |
| Building Area | 2,047 sqft Living Area |
| Gross Area | 4,496 sqft |
| 1st Floor Area | 1,312 sqft |
| Basement Area | 1,312 sqft |
| Finished Basement | 1,312 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,264 sqft (0.26 acres) |
| Terrain | Wooded |
| Porch | Porch |
| Porch Area | 64 sqft |
| Deck Area | 642 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8002399 |
|---|---|
| Street Address | 124 WATERSIDE LN |
| City | CROSS JUNCTION |
| State | VA |
| Zip | 22625-2468 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LAKE HOLIDAY EST.L1235 P2 S.5B |
| Legal Subdivision | LAKE HOLIDAY |
| Legal Phase | 2 |
| Legal Lot Number | 1235 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 50300 |
124 Waterside Ln is owner-occupied and held in a trust since February 2024.
Source: Frederick County records, as of August 18, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 124 WATERSIDE LN, CROSS JUNCTION, VA 22625-2468 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
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 |
|---|---|
| Feb 22, 2024 | Intrafamily Transfer, Transfer |
| Oct 5, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF CLARKE COUNTY |
| Jul 8, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 10, 2016 · Amount on File |
| Deed Sale | Aug 10, 2016 · Amount on File |
| Deed Document Number | 20167685 |
| Last Transfer Date | Feb 20, 2024 |
| Transfer Doc | 0000001327 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Feb 22, 2024 |
| Property Address | 124 WATERSIDE LN, CROSS JUNCTION, VA 22625-2468 |
| Document Number | 0000001327 |
| Instrument Date | Feb 20, 2024 |
| Instrument | 240001327 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 124 WATERSIDE LN, CROSS JUNCTION, VA 22625-2468 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 124 WATERSIDE LN, CROSS JUNCTION, VA 22625-2468 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000016829 |
|---|---|
| Date | Oct 5, 2021 |
| Instrument | 210016829 |
| Name | BANK OF CLARKE COUNTY |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Jul 8, 2019 |
| Property Address | 124 WATERSIDE LN, CROSS JUNCTION, VA 22625-2468 |
| Document Number | 0000006677 |
| Instrument Date | Jun 27, 2019 |
| Instrument | 6677 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 124 WATERSIDE LN CROSS JUNCTION VA 226252468, CROSS JUNCTION, VA 22625-2468 |
The 2026 property tax bill for 124 Waterside Ln was $2,853, 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 | $2,853.00 (+10.41%) | $538,350 Land $153,000 Building $385,350 | $538,350 Land $153,000 Building $385,350 |
| 2025 | $2,584.00 | ||
| 2023 | $3,115.00 | $478,000 Land $137,000 Building $341,000 | $478,000 Land $137,000 Building $341,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 124 Waterside Ln in Zone X, an area of minimal flood risk, within 100 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 100 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 124 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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