Frederick County property record for 207 Laurel Dr, Cross Junction, VA 22625 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2013 |
| Square Footage | 1,402 sqft Living Area |
| Lot Size | 16,654 sqft (0.38 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $370,500 (2024) |
| Tax Bill | $1,942.00 (2026) |
| Primary APN | 18A088A-3-47 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,402 sqft Living Area |
| Gross Area | 3,354 sqft Gross Area |
| 1st Floor | 1,402 sqft 1st Floor |
| Basement Area | 1,402 sqft Basement |
| Finished Basement | 1,402 sqft Finished |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Stone Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 16,654 sqft (0.38 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Built-in Garage |
| Deck Area | 72 sqft Deck |
|---|---|
| Porch | 1 Porch |
| Porch Area | 198 sqft Porch |
| Topography | Wooded Topography |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Account Number | 8002837 |
|---|---|
| Street Address | 207 LAUREL DR |
| City | CROSS JUNCTION |
| State | VA |
| Zip | 22625-2552 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LAKE HOLIDAY EST. L47 P3 S.8A |
| Legal Subdivision | LAKE HOLIDAY |
| Legal Phase | 3 |
| Legal Lot Number | 47 |
| Jurisdiction | FREDERICK VA |
| Minor Civil Division | GAINESBORO |
| Census Blockgroup | 4 |
| Census Block | 4030 |
| Census Tract | 50300 |
Source: Frederick County records · APN 18A088A-3-47
Assessment roll updated July 9, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 207 LAUREL DR, CROSS JUNCTION, VA 22625-2552 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 29, 2026 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage NFM LENDING |
| Jan 17, 2024 | Warranty Deed, Transfer · Conventional Mortgage NFM LENDING |
| May 07, 2021 | Warranty Deed, Transfer · Veterans Administration Mortgage AMERISAVE MORTGAGE CORPORATION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 17, 2024 · Amount on Record |
| Deed Sale | Jan 17, 2024 · Amount on Record |
| Deed Doc Number | 2024382 |
| Prior Transfer Date | Nov 14, 2014 |
| Prior Transfer Doc | 1400009791 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Jul 29, 2026 |
| Property Address | 207 LAUREL DR, CROSS JUNCTION, VA 22625-2552 |
| Document Number | 0000007807 |
| Instrument Date | Jul 24, 2026 |
| Instrument | 20267807 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2026 |
| Title Company | VESTA SETTLEMENTS LLC, VESTA SETTLEMENTS |
| Name | Verified Name |
|---|---|
| Relationship | 298 |
| Address | 207 LAUREL DR, CROSS JUNCTION, VA 22625-2552 |
| Document Number | 0000007807, |
|---|---|
| Date | Jul 29, 2026 |
| Instrument | 20267807 |
| Name | NFM LENDING |
|---|
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Jan 17, 2024 |
| Property Address | 207 LAUREL DR, CROSS JUNCTION, VA 22625-2552 |
| Document Number | 0000000382 |
| Instrument Date | Jan 11, 2024 |
| Instrument | 240000382 |
| Transaction Type | Transfer |
| Record Updated | Feb 07, 2024 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 207 LAUREL DR, CROSS JUNCTION, VA 22625-2552 |
| Document Number | 0000000383 |
|---|---|
| Date | Jan 17, 2024 |
| Instrument | 240000383 |
| Name | NFM LENDING |
|---|---|
| Type | Private Party |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 10, 2025 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 10% |
| Document Number | 0000000384 |
|---|---|
| Date | Jan 17, 2024 |
| Instrument | 240000384 |
| Name | NFM LENDING |
|---|
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Feb 01, 2034 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | May 07, 2021 |
| Property Address | 207 LAUREL DR, CROSS JUNCTION, VA 22625-2552 |
| Document Number | 0000007691 |
| Instrument Date | May 06, 2021 |
| Instrument | 210007691 |
| Transaction Type | Transfer |
| Record Updated | Jun 02, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 207 LAUREL DR, CROSS JUNCTION, VA 22625-2552 |
| Document Number | 0000007692 |
|---|---|
| Date | May 07, 2021 |
| Instrument | 210007692 |
| Name | AMERISAVE MORTGAGE CORPORATION |
|---|
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Frederick County records · Assessment roll updated July 9, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,942.00 (+10.4%) | $366,400 (-) Land $58,000 Building $308,400 | $366,400 (-) Land $58,000 Building $308,400 |
| 2025 | $1,759.00 (-21.37%) | $366,400 (+19.86%) Land $58,000 Building $308,400 | $366,400 (+19.86%) Land $58,000 Building $308,400 |
| 2023 | $2,237.00 | $305,700 Land $42,000 Building $263,700 | $305,700 Land $42,000 Building $263,700 |
207 Laurel Dr is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Frederick County (51069C), updated February 3, 2023
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 29th in Virginia |
|---|---|
| Wildfire Likelihood | Low — about 1 in 3,448 per year |
| Exposure | Indirect within ember reach of burnable land · adjoins burnable vegetation |
Values are read at the parcel center point; lenders make the official flood determination.
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