1260 Lakeview Dr, Cross Junction, VA 22625 Property Records

Frederick County property record for 1260 Lakeview Dr, Cross Junction, VA 22625

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,051 sqft · built 1993
Lot Size	0.28 acres (12,006 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Sep 2022)
Tax Bill	$2,048 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A044A-2-49`

Property Details

APN / Parcel Number

Primary APN	`18A044A-2-49`
Alternative APN	`8001909`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,051 sqft Living Area
Gross Area	4,437 sqft
1st Floor Area	1,090 sqft
Basement Area	545 sqft
Finished Basement	545 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2014
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,006 sqft (0.28 acres)
Terrain	Wooded
Garage Area	410 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	60 sqft
Deck Area	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8001909
Street Address	1260 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 L49 P2 S4A
Legal Subdivision	LAKE HOLIDAY
Legal Phase	2
Legal Lot Number	49
Jurisdiction	FREDERICK VA
Township / Civil Division	GAINESBORO
Census Block Group	4
Census Block	4019
Census Tract	50300

Owner

1260 Lakeview Dr is owned and occupied by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1260 LAKEVIEW DR, CROSS JUNCTION, VA 22625-2523
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 9, 2022	Warranty Deed, Transfer · VA Mortgage LOW VA RATES LLC
Jun 22, 2020	Grant Deed, Transfer · VA Mortgage NAVY FCU
Jan 30, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF ROMNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2022 · Amount on File
Deed Sale	Sep 9, 2022 · Amount on File
Prior Sale	Jun 22, 2020 · Amount on File
Deed Document Number	202211332
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	Sep 9, 2022
Property Address	1260 LAKEVIEW DR, CROSS JUNCTION, VA 22625-2523
Document Number	0000011332
Instrument Date	Sep 6, 2022
Instrument	220011332
Transaction Type	Transfer
Record Updated	Sep 28, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

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	1260 LAKEVIEW DR, CROSS JUNCTION, VA 22625-2523

Mortgage

Document Number	0000011333
Date	Sep 9, 2022
Instrument	220011333

Lender

Name	LOW VA RATES LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Jun 22, 2020
Property Address	1260 LAKEVIEW DR, CROSS JUNCTION, VA 22625-2523
Document Number	0000007607
Instrument Date	Jun 9, 2020
Instrument	7607
Transaction Type	Transfer
Record Updated	Jul 20, 2020
Title Company	COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE CO.

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1260 LAKEVIEW DR CROSS JUNCTION VA 226252523, CROSS JUNCTION, VA 22625-2523

Mortgage

Document Number	7608
Date	Jun 22, 2020
Instrument	7608

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 21, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	1260 LAKEVIEW DR, CROSS JUNCTION, VA 22625-2523
Document Number	0000001399
Instrument Date	Jan 30, 2020
Transaction Type	Mortgage
Record Updated	Mar 16, 2020
Title Company	RGS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1260 LAKEVIEW DR CROSS JUNCTION VA 226252523, CROSS JUNCTION, VA 22625-2523

Mortgage

Document Number	0000001399
Date	Feb 4, 2020
Instrument	1399

Lender

Name	BANK OF ROMNEY
Type	Bank
Address	CAPON BRIDGE, WV 26711

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1260 Lakeview Dr was $2,048, 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	$2,048.00 (+10.4%)	$386,500 Land $58,000 Building $328,500	$386,500 Land $58,000 Building $328,500
2025	$1,855.00

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

Flood

FEMA maps place 1260 Lakeview Dr in Zone X, an area of minimal flood risk.

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
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 1260 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	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.

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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