2166 Morgan Frederick Grade, Cross Junction, VA 22625 Property Records

Frederick County property record for 2166 Morgan Frederick Grade, Cross Junction, VA 22625

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,730 sqft · built 2017
Lot Size	6 acres (261,360 sqft)
Owner	2 Individual Names on File
Last Sale	$235,538 (Aug 2021)
Tax Bill	$2,464 (2026)
Deeds & Mortgages	Jan 2023 Second Mortgage Jul 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07A-20A`

Property Details

APN / Parcel Number

Primary APN	`07A-20A`
Alternative APN	`8049865`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,730 sqft Living Area
Gross Area	4,500 sqft
1st Floor Area	1,650 sqft
Basement Area	1,650 sqft
Unfinished Basement	1,650 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2023
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	261,360 sqft (6 acres)
Terrain	Rolling
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	160 sqft
Deck Area	384 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected
Water Source	Well

Location & Zoning

Account Number	8049865
Street Address	2166 MORGAN FREDERICK GRADE
City	CROSS JUNCTION
State	VA
Zip	22625-1718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	6.00 ACRES
Legal Subdivision	FAMILY SD
Jurisdiction	FREDERICK VA
Township / Civil Division	GAINESBORO
Census Block Group	1
Census Block	1015
Census Tract	50300

Owner

Source: Frederick County records · APN 07A-20A

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	2166 MORGAN FREDERICK GRADE, CROSS JUNCTION, VA 22625-1718
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION
Jul 20, 2022	Intrafamily Transfer, Transfer
Apr 04, 2017	Deed of Trust, Mortgage · Stand-Alone Refinance HOMEOWNERS MORTGAGE ENTERPRISES INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 06, 2021 · Amount on Record
Deed Sale	Aug 06, 2021 · Amount on Record
Deed Document Number	202113173
Prior Transfer Date	Jul 30, 2021
Prior Transfer Doc	0000013173
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	2166 MORGAN FREDERICK GRADE, CROSS JUNCTION, VA 22625-1718
Transaction Type	Mortgage
Record Updated	Feb 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000693
Date	Jan 27, 2023
Instrument	230000693

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	117 Months
Due	Oct 01, 2032

Interest

Rate Type	Fixed Rate

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK VA
Recording Date	Jul 20, 2022
Property Address	2166 MORGAN FREDERICK GRADE, CROSS JUNCTION, VA 22625-1718
Document Number	0000009141
Instrument Date	Jul 18, 2022
Instrument	220009141
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2166 MORGAN FREDERICK GRADE, CROSS JUNCTION, VA 22625-1718

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	2166 MORGAN FREDERICK GRADE, CROSS JUNCTION, VA 22625-1718
Transaction Type	Mortgage
Record Updated	May 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003331
Date	Apr 04, 2017
Instrument	170003331

Lender

Name	HOMEOWNERS MORTGAGE ENTERPRISES INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated July 9, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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	$2,464.00 (+10.39%)	$464,900 Land $95,500 Building $369,400	$464,900 Land $95,500 Building $369,400
2025	$2,232.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 3, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 66% of the US · above 56% of Virginia
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	25 / 3

May also be available: Verizon.

Based on FCC filings for 19 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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