Frederick County property record for 186 Wesley Chapel Ln, Cross Junction, VA 22625
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,400 sqft · built 2003 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | Trust Name on Record |
| Last Sale | $150,000 (May 2010) |
| Tax Bill | $1,931 (2026) |
| Deeds & Mortgages | Sep 2022 Transfer Sep 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0710-4 |
| Primary APN | 0710-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,400 sqft Living Area |
| Gross Area | 4,480 sqft |
| 1st Floor Area | 1,400 sqft |
| Basement Area | 1,400 sqft |
| Unfinished Basement | 1,400 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 217,800 sqft (5 acres) |
| Terrain | Rolling |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool Type |
|---|---|
| Pool Area | 255 sqft |
| Porch | Porch |
| Porch Area | 216 sqft |
| Deck Area | 576 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Well |
| Account Number | 8000425 |
|---|---|
| Street Address | 186 WESLEY CHAPEL LN |
| City | CROSS JUNCTION |
| State | VA |
| Zip | 22625-1749 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | HAINES WESLEY CHAPEL L4 5.00 ACRES |
| Legal Subdivision | HAINES WESLEY CHAPEL |
| Legal Lot Number | 4 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 1 |
| Census Block | 1027 |
| 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 | Trust Name on Record |
|---|---|
| Mailing Address | 186 WESLEY CHAPEL LN, CROSS JUNCTION, VA 22625-1749 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Sep 22, 2022 | Intrafamily Transfer, Transfer |
| Sep 2, 2022 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Apr 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance INTEGRITY HOME MORTGAGE CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 6, 2010 · Amount on Record |
| Deed Sale | May 6, 2010 · Amount on Record |
| Prior Sale | Apr 7, 2010 · Amount on Record |
| Deed Book / Page | 1000 / 4130 |
| Last Transfer Date | Sep 22, 2022 |
| Transfer Doc | 0000011806 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Sep 22, 2022 |
| Property Address | 186 WESLEY CHAPEL LN, CROSS JUNCTION, VA 22625-1749 |
| Document Number | 0000011806 |
| Instrument Date | Sep 22, 2022 |
| Instrument | 220011806 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 186 WESLEY CHAPEL LN, CROSS JUNCTION, VA 22625-1749 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 186 WESLEY CHAPEL LN, CROSS JUNCTION, VA 22625-1749 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2022 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0000011085 |
|---|---|
| Date | Sep 2, 2022 |
| Instrument | 220011085 |
| Name | TRUIST BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 186 WESLEY CHAPEL LN, CROSS JUNCTION, VA 22625-1749 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000006606 |
|---|---|
| Date | Apr 20, 2021 |
| Instrument | 210006606 |
| Name | INTEGRITY HOME MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.63% |
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 | $1,931.00 (+10.41%) | $364,430 Land $81,000 Building $283,430 | $364,430 Land $81,000 Building $283,430 |
| 2025 | $1,749.00 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 6 (1996–2018) |
| Claims Outside the SFHA | 2 of 6 |
| Most Recent Claim | Jun 2018 · river or lake flooding |
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 64% of the US · above 59% of Virginia |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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