1246 Lakeview Dr, Cross Junction, VA 22625 Property Records

Frederick County property record for 1246 Lakeview Dr, Cross Junction, VA 22625

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,826 sqft · built 1988
Lot Size	0.32 acres (13,800 sqft)
Owner	2 Individual Names on File
Last Sale	$370,000 (Oct 2025)
Tax Bill	$1,843 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jun 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18A044A-3-42`

Property Details

APN / Parcel Number

Primary APN	`18A044A-3-42`
Alternative APN	`8001933`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,826 sqft Living Area
Gross Area	3,942 sqft
1st Floor Area	860 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2012
Exterior Material	Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,800 sqft (0.32 acres)
Terrain	Rolling
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	144 sqft
Deck Area	198 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8001933
Street Address	1246 LAKEVIEW DR
City	CROSS JUNCTION
State	VA
Zip	22625-2523
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LAKE HOLIDAY EST. L42 P3 S.4A
Legal Subdivision	LAKE HOLIDAY
Legal Phase	3
Legal Lot Number	42
Jurisdiction	FREDERICK VA
Township / Civil Division	GAINESBORO
Census Block Group	4
Census Block	4019
Census Tract	50300

Owner

1246 Lakeview Dr is owned and occupied by two individuals who bought it in October 2025.

Source: Frederick County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1246 LAKEVIEW DR, CROSS JUNCTION, VA 22625-2523
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2025	Deed, Transfer · Conventional Mortgage APPLE FCU
Jun 13, 2022	Warranty Deed, Transfer · VA Mortgage HOMEQUEST CAPITAL FUNDING
Feb 28, 2022	Warranty Deed, Transfer STEWART TITLE, STEWART TITLE GUARANTY CO
Sep 24, 2020	Warranty Deed, Transfer · FHA Mortgage CBM MORTGAGE INC
Aug 14, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2025 · Amount on File
Deed Sale	Oct 1, 2025 · Amount on File
Prior Sale	Jun 13, 2022 · Amount on File
Deed Document Number	20259807
Record Updated	Sep 20, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK VA
Recording Date	Oct 1, 2025
Property Address	1246 LAKEVIEW DR, CROSS JUNCTION, VA 22625-2523
Document Number	0000009807
Instrument Date	Sep 30, 2025
Instrument	250009807
Transaction Type	Transfer
Record Updated	Oct 29, 2025
Title Company	CLEAR TITLE ESCROW AND SETTLEMEN, CLEAR TTL ESCROW & STLMTS LL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1246 LAKEVIEW DR, CROSS JUNCTION, VA 22625-2523

Mortgage

Document Number	0000009808
Date	Oct 1, 2025
Instrument	250009808

Lender

Name	APPLE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Jun 13, 2022
Property Address	1246 LAKEVIEW DR, CROSS JUNCTION, VA 22625-2523
Document Number	0000007496
Instrument Date	Jun 9, 2022
Instrument	220007496
Transaction Type	Transfer
Record Updated	Jul 6, 2022
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Amount	Amount on Record
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	1246 LAKEVIEW DR, CROSS JUNCTION, VA 22625-2523

Mortgage

Document Number	0000007497
Date	Jun 13, 2022
Instrument	220007497

Lender

Name	HOMEQUEST CAPITAL FUNDING

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.75%

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Feb 28, 2022
Property Address	1246 LAKEVIEW DR, CROSS JUNCTION, VA 22625-2523
Document Number	0000002474
Instrument Date	Feb 24, 2022
Instrument	220002474
Transaction Type	Transfer
Record Updated	Mar 16, 2022
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Amount	Amount 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	1246 LAKEVIEW DR, CROSS JUNCTION, VA 22625-2523

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Sep 24, 2020
Property Address	1246 LAKEVIEW DR, CROSS JUNCTION, VA 22625-2523
Document Number	0000013135
Instrument Date	Sep 18, 2020
Instrument	200013135
Transaction Type	Transfer
Record Updated	May 28, 2021
Title Company	STEWART TITLE GUARANTY CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	1246 LAKEVIEW DR, CROSS JUNCTION, VA 22625-2523

Mortgage

Document Number	0000013136
Date	Sep 24, 2020
Instrument	200013136

Lender

Name	CBM MORTGAGE INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREDERICK VA
Recording Date	Aug 14, 2018
Property Address	1246 LAKEVIEW DR, CROSS JUNCTION, VA 22625-2523
Document Number	0000007916
Instrument Date	Aug 9, 2018
Instrument	7916
Transaction Type	Transfer
Record Updated	Aug 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1311 N ARGONNE AVE STERLING VA 201642329, STERLING, VA 20164-2329

Tax Assessment & Valuation

The 2026 property tax bill for 1246 Lakeview Dr was $1,843, up 10.4% from the year before.

Source: Frederick County assessment roll, as of July 9, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,843.00 (+10.43%)	$347,800 (-) Land $58,000 Building $289,800	$347,800 (-) Land $58,000 Building $289,800
2025	$1,669.00 (+94.07%)	$347,800 Land $58,000 Building $289,800	$347,800 Land $58,000 Building $289,800
2024	$860.00

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

Flood

FEMA maps place 1246 Lakeview Dr in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

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

Wildfire risk around 1246 Lakeview Dr is low, with a 0.03% 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	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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