225 Morgan Rd, Cross Junction, VA 22625 Property Records

Frederick County property record for 225 Morgan Rd, Cross Junction, VA 22625

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,528 sqft · built 2004
Lot Size	16.9 acres (737,035 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,198 (2026)
Deeds & Mortgages	Feb 2021 Refinance May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03A-26B`

Property Details

APN / Parcel Number

Primary APN	`03A-26B`
Alternative APN	`8041911`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,528 sqft Living Area
Gross Area	6,064 sqft
1st Floor Area	2,322 sqft
Basement Area	2,485 sqft
Finished Basement	2,485 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2018
Exterior Material	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	737,035 sqft (16.9 acres)
Terrain	Rolling
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	70 sqft
Deck Area	220 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8041911
Street Address	225 MORGAN RD
City	CROSS JUNCTION
State	VA
Zip	22625-1560
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	16.92 ACRES
Legal Subdivision	2
Jurisdiction	FREDERICK VA
Township / Civil Division	GAINESBORO
Census Block Group	1
Census Block	1006
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 Record
Mailing Address	225 MORGAN RD, CROSS JUNCTION, VA 22625-1560
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
May 10, 2019	Deed of Trust, Mortgage · Commercial Mortgage BANK OF CLARKES COUNTY
Mar 13, 2017	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	225 MORGAN RD, CROSS JUNCTION, VA 22625-1560
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002111
Date	Feb 5, 2021
Instrument	210002111

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	225 MORGAN RD, CROSS JUNCTION, VA 22625-1560
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004324
Date	May 10, 2019
Instrument	190004324

Lender

Name	BANK OF CLARKES COUNTY

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	225 MORGAN RD, CROSS JUNCTION, VA 22625-1560
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002560
Date	Mar 13, 2017
Instrument	170002560

Lender

Name	FIRST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

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	$3,198.00 (+10.43%)	$603,326 Land $109,200 Building $494,126	$603,326 Land $109,200 Building $494,126
2025	$2,896.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 62% of Virginia
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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