Frederick County property record for 202 Masters Dr, Cross Junction, VA 22625
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,304 sqft · built 1988 |
| Lot Size | 0.23 acres (9,955 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $324,000 (Apr 2026) |
| Tax Bill | $1,631 (2026) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Jul 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A022-11-170 |
| Primary APN | 18A022-11-170 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,304 sqft Living Area |
| Gross Area | 2,664 sqft |
| 1st Floor Area | 1,232 sqft |
| Basement Area | 1,232 sqft |
| Unfinished Basement | 1,232 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Split Foyer |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 9,955 sqft (0.23 acres) |
| Terrain | Rolling |
| Deck Area | 128 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8001671 |
|---|---|
| Street Address | 202 MASTERS DR |
| City | CROSS JUNCTION |
| State | VA |
| Zip | 22625-2429 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LAKE HOLIDAY EST. L170 P1 1 S2 |
| Legal Subdivision | LAKE HOLIDAY |
| Legal Phase | 1 |
| Legal Lot Number | 170 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 4 |
| Census Block | 4006 |
| 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 | 202 MASTERS DR, CROSS JUNCTION, VA 22625-2429 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 17, 2026 | Deed, Transfer · FHA Mortgage GENEVA FINANCIAL |
| Jul 5, 2023 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 28, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 17, 2026 · Amount on Record |
| Deed Sale | Apr 17, 2026 · Amount on Record |
| Prior Sale | Jul 5, 2023 · Amount on Record |
| Deed Document Number | 20263756 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Apr 17, 2026 |
| Property Address | 202 MASTERS DR, CROSS JUNCTION, VA 22625-2429 |
| Document Number | 0000003756 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 2026.3756 |
| Transaction Type | Transfer |
| Record Updated | May 4, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $32,724.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 202 MASTERS DR, CROSS JUNCTION, VA 22625-2429 |
| Investor | Possibly a Property Investor |
| Document Number | 0000003757, |
|---|---|
| Date | Apr 17, 2026 |
| Instrument | 2026.3757 |
| Name | GENEVA FINANCIAL |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Jul 5, 2023 |
| Property Address | 202 MASTERS DR, CROSS JUNCTION, VA 22625-2429 |
| Document Number | 0000005610 |
| Instrument Date | Jul 5, 2023 |
| Instrument | 230005610 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2023 |
| Title Company | OLD TOWNE TITLE COMPANY |
| 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 | 202 MASTERS DR, CROSS JUNCTION, VA 22625-2429 |
| Document Number | 0000005611 |
|---|---|
| Date | Jul 5, 2023 |
| Instrument | 230005611 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 202 MASTERS DR, CROSS JUNCTION, VA 22625-2429 |
| Document Number | 0000011725 |
| Instrument Date | Oct 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2019 |
| Title Company | RGS TITLE |
| Name | Verified Name |
|---|---|
| Address | 202 MASTERS DR CROSS JUNCTION VA 226252429, CROSS JUNCTION, VA 22625-2429 |
| Document Number | 0000011725 |
|---|---|
| Date | Nov 1, 2019 |
| Instrument | 11725 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 31, 2034 |
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 | $1,631.00 (+10.35%) | $307,820 (-) Land $58,000 Building $249,820 | $307,820 (-) Land $58,000 Building $249,820 |
| 2025 | $1,478.00 (-22.82%) | $307,820 (+26.83%) Land $58,000 Building $249,820 | $307,820 (+26.83%) Land $58,000 Building $249,820 |
| 2023 | $1,915.00 | $242,700 Land $42,000 Building $200,700 | $242,700 Land $42,000 Building $200,700 |
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 | 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.
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 | 0.02% 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 123 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