Frederick County property record for 142 Waterside Ln, Cross Junction, VA 22625
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,058 sqft · built 2005 |
| Lot Size | 0.44 acres (19,294 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $410,000 (Jun 2024) |
| Tax Bill | $1,991 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage Nov 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A055B-1-1226 |
| Primary APN | 18A055B-1-1226 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,058 sqft Living Area |
| Gross Area | 4,557 sqft |
| 1st Floor Area | 1,043 sqft |
| Basement Area | 782 sqft |
| Unfinished Basement | 782 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 19,294 sqft (0.44 acres) |
| Terrain | Wooded |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 91 sqft |
| Deck Area | 516 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8002382 |
|---|---|
| Street Address | 142 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.L1226 P1 S.5B |
| Legal Subdivision | LAKE HOLIDAY |
| Legal Phase | 1 |
| Legal Lot Number | 1226 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 50300 |
Source: Frederick County records, as of August 18, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 142 WATERSIDE LN, CROSS JUNCTION, VA 22625-2468 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 8, 2026 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Nov 29, 2021 | Warranty Deed, Transfer · Conventional Mortgage INTEGRITY HOME MORTGAGE CORPORATION |
| Oct 14, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 4, 2024 · Amount on Record |
| Deed Sale | Jun 4, 2024 · Amount on Record |
| Prior Sale | Nov 29, 2021 · Amount on Record |
| Deed Document Number | 20244820 |
| Prior Transfer Date | Oct 1, 2020 |
| Prior Transfer Doc | 0000014328 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Jun 8, 2026 |
| Property Address | 142 WATERSIDE LN, CROSS JUNCTION, VA 22625-2468 |
| Document Number | 0000005759 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 20265759 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 142 WATERSIDE LN, CROSS JUNCTION, VA 22625-2468 |
| Document Number | 0000005759, |
|---|---|
| Date | Jun 8, 2026 |
| Instrument | 20265759 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Nov 29, 2021 |
| Property Address | 142 WATERSIDE LN, CROSS JUNCTION, VA 22625-2468 |
| Document Number | 0000019954 |
| Instrument Date | Nov 23, 2021 |
| Instrument | 210019954 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | DIRECT TITLE SOLUTIONS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 142 WATERSIDE LN, CROSS JUNCTION, VA 22625-2468 |
| Document Number | 0000019955 |
|---|---|
| Date | Nov 29, 2021 |
| Instrument | 210019955 |
| Name | INTEGRITY HOME MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Oct 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.25% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Oct 14, 2020 |
| Property Address | 142 WATERSIDE LN, CROSS JUNCTION, VA 22625-2468 |
| Document Number | 0000014328 |
| Instrument Date | Oct 12, 2020 |
| Instrument | 14328 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 176 SKYLAR LANES WAY WINCHESTER VA 226034932, WINCHESTER, VA 22603-4932 |
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 | $1,991.00 (+10.43%) | $375,600 (-) Land $58,000 Building $317,600 | $375,600 (-) Land $58,000 Building $317,600 |
| 2025 | $1,803.00 | $375,600 Land $58,000 Building $317,600 | $375,600 Land $58,000 Building $317,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 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.
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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