212 Laurel Dr, Cross Junction, VA 22625 Property Records

Frederick County property record for 212 Laurel Dr, Cross Junction, VA 22625

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,753 sqft · built 2005
Lot Size	0.25 acres (11,016 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (May 2020)
Tax Bill	$2,391 (2026)
Deeds & Mortgages	Sep 2021 Refinance May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A088A-3-5`

Property Details

APN / Parcel Number

Primary APN	`18A088A-3-5`
Alternative APN	`8002829`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,753 sqft Living Area
Gross Area	4,065 sqft
1st Floor Area	1,687 sqft
Basement Area	1,687 sqft
Finished Basement	1,687 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2019
Architectural Style	Split Foyer
Exterior Material	Brick
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	11,016 sqft (0.25 acres)
Terrain	Wooded
Garage Type	Built-in
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	79 sqft
Deck Area	546 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	8002829
Street Address	212 LAUREL DR
City	CROSS JUNCTION
State	VA
Zip	22625-2551
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LAKE HOLIDAY EST. L5 P3 S .8A
Legal Subdivision	LAKE HOLIDAY
Legal Phase	3
Legal Lot Number	5
Jurisdiction	FREDERICK VA
Township / Civil Division	GAINESBORO
Census Block Group	4
Census Block	4031
Census Tract	50300

Owner

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	2 Individual Names on File
Mailing Address	212 LAUREL DR, CROSS JUNCTION, VA 22625-2551
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION
May 1, 2020	Warranty Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2020 · Amount on File
Deed Sale	May 1, 2020 · Amount on File
Prior Sale	Oct 28, 2005 · Amount on File
Deed Document Number	20205082
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	212 LAUREL DR, CROSS JUNCTION, VA 22625-2551
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016055
Date	Sep 23, 2021
Instrument	210016055

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	346 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	May 1, 2020
Property Address	212 LAUREL DR, CROSS JUNCTION, VA 22625-2551
Document Number	0000005082
Instrument Date	Apr 30, 2020
Instrument	200005082
Transaction Type	Transfer
Record Updated	May 28, 2021
Title Company	OLD TOWNE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	212 LAUREL DR, CROSS JUNCTION, VA 22625-2551

Mortgage

Document Number	0000005083
Date	May 1, 2020
Instrument	200005083

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,391.00 (+10.44%)	$451,100 Land $58,000 Building $393,100	$451,100 Land $58,000 Building $393,100
2025	$2,165.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

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	0.03% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Laurel Dr

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