Frederick County property record for 143 Waterside Ln, Cross Junction, VA 22625
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,356 sqft · built 2004 |
| Lot Size | 0.28 acres (12,414 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $340,000 (Aug 2005) |
| Tax Bill | $2,074 (2026) |
| Deeds & Mortgages | Sep 2020 Second Mortgage Mar 2017 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A055B-1-1224 |
| Primary APN | 18A055B-1-1224 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 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 | 3,928 sqft |
| 1st Floor Area | 1,168 sqft |
| Basement Area | 876 sqft |
| Unfinished Basement | 876 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,414 sqft (0.28 acres) |
| Terrain | Wooded |
| Garage Type | Built-in |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 140 sqft |
| Deck Area | 48 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8002380 |
|---|---|
| Street Address | 143 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.L1224 P1 S.5B |
| Legal Subdivision | LAKE HOLIDAY |
| Legal Phase | 1 |
| Legal Lot Number | 1224 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 50300 |
Source: Frederick County records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 143 WATERSIDE LN, CROSS JUNCTION, VA 22625-2469 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 22, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Mar 30, 2017 | Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 9, 2005 · Amount on Record |
| Deed Sale | Aug 9, 2005 · Amount on Record |
| Prior Sale | Dec 22, 2004 · Amount on Record |
| Deed Book / Page | 500 / 17778 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 143 WATERSIDE LN, CROSS JUNCTION, VA 22625-2469 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000012984 |
|---|---|
| Date | Sep 22, 2020 |
| Instrument | 200012984 |
| Name | SPRING EQ LLC |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2040 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 143 WATERSIDE LN, CROSS JUNCTION, VA 22625-2469 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000003134 |
|---|---|
| Date | Mar 30, 2017 |
| Instrument | 170003134 |
| Name | WELLS FARGO BANK NA |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.5% |
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 | $2,074.00 (+10.38%) | $391,400 Land $58,000 Building $333,400 | $391,400 Land $58,000 Building $333,400 |
| 2025 | $1,879.00 |
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 | Direct burnable vegetation |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures