245 Sunset Cir, Cross Junction, VA 22625 Property Records

Frederick County property record for 245 Sunset Cir, Cross Junction, VA 22625 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,834 sqft · built 2017
Lot Size	0.36 acres (15,558 sqft)
Owner	2 Individual Names on File
Last Sale	$129,500 (Aug 2015)
Tax Bill	$3,130 (2026)
Deeds & Mortgages	Jan 2018 Line of Credit Jan 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A022-3-309`

Property Details

APN / Parcel Number

Primary APN	`18A022-3-309`
Alternative APN	`8001516`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Building Area	1,834 sqft Living Area
Gross Area	5,736 sqft
1st Floor Area	1,246 sqft
Basement Area	625 sqft
Finished Basement	625 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	15,558 sqft (0.36 acres)
Terrain	Wooded
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	236 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8001516
Street Address	245 SUNSET CIR
City	CROSS JUNCTION
State	VA
Zip	22625-2464
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE HOLIDAY EST L309 P3 S2
Legal Subdivision	LAKE HOLIDAY
Legal Phase	3
Legal Lot Number	309
Jurisdiction	FREDERICK VA
Township / Civil Division	GAINESBORO
Census Block Group	4
Census Block	4012
Census Tract	50300

Owner

Source: Frederick County records · APN 18A022-3-309

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	245 SUNSET CIR, CROSS JUNCTION, VA 22625-2464
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF CLARKE COUNTY
Jan 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC
May 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MR COOPER
Mar 10, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF CLARKE COUNTY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 28, 2015 · Amount on Record
Deed Sale	Aug 28, 2015 · Amount on Record
Prior Sale	Mar 20, 2002 · Amount on Record
Deed Document Number	20158421
Record Updated	Sep 20, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	245 SUNSET CIR, CROSS JUNCTION, VA 22625-2464
Transaction Type	Mortgage
Record Updated	Jun 30, 2022
Title Company	ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000414
Date	Jan 16, 2018
Instrument	180000414

Lender

Name	BANK OF CLARKE COUNTY

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	245 SUNSET CIR, CROSS JUNCTION, VA 22625-2464
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000413
Date	Jan 16, 2018
Instrument	180000413

Lender

Name	UNITED WHOLESALE MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2048

Interest

Rate Type	Fixed Rate
Rate	4%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	245 SUNSET CIR, CROSS JUNCTION, VA 22625-2464
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008433
Date	May 19, 2021
Instrument	210008433

Lender

Name	MR COOPER

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	180 Months
Due	May 01, 2036

Interest

Rate Type	Fixed Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	245 SUNSET CIR, CROSS JUNCTION, VA 22625-2464
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002463
Date	Mar 10, 2017
Instrument	170002463

Lender

Name	BANK OF CLARKE COUNTY

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable 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	$3,130.00 (+10.41%)	$590,640 Land $153,000 Building $437,640	$590,640 Land $153,000 Building $437,640
2025	$2,835.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (51069C), updated February 3, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510690503004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 5,882 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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, availability as of December 31, 2025 · Published October 2026 · based on 123 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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