270 Morgan Rd, Cross Junction, VA 22625 Property Records

Frederick County property record for 270 Morgan Rd, Cross Junction, VA 22625

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,304 sqft · built 2005
Lot Size	6.57 acres (286,189 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (May 2019)
Tax Bill	$3,391 (2026)
Deeds & Mortgages	Feb 2023 Mortgage May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03A-26D`

Property Details

APN / Parcel Number

Primary APN	`03A-26D`
Alternative APN	`8042669`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,304 sqft Living Area
Gross Area	6,493 sqft
1st Floor Area	2,079 sqft
Basement Area	2,064 sqft
Finished Basement	2,064 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2019
Exterior Material	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	286,189 sqft (6.57 acres)
Terrain	Rolling
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	272 sqft
Patio Area	1,262 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Well

Location & Zoning

Account Number	8042669
Street Address	270 MORGAN RD
City	CROSS JUNCTION
State	VA
Zip	22625-1561
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 1 6.57 ACRES
Legal Subdivision	2
Legal Lot Number	1
Jurisdiction	FREDERICK VA
Township / Civil Division	GAINESBORO
Census Block Group	1
Census Block	1008
Census Tract	50300

Owner

Source: Frederick County records, as of August 18, 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 Record
Mailing Address	270 MORGAN RD, CROSS JUNCTION, VA 22625-1561
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2023	Deed of Trust, Mortgage · ARM PROSPERITY HOME MORTGAGE LLC
May 20, 2019	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Dec 19, 2018	Quit Claim Deed, Transfer DIRECT TITLE SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2019 · Amount on Record
Deed Sale	May 20, 2019 · Amount on Record
Deed Document Number	20194663
Prior Transfer Date	Dec 1, 2018
Prior Transfer Doc	0000012567
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK VA
Property Address	270 MORGAN RD, CROSS JUNCTION, VA 22625-1561
Transaction Type	Mortgage
Record Updated	Mar 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001059
Date	Feb 10, 2023
Instrument	230001059

Lender

Name	PROSPERITY HOME MORTGAGE LLC

Agreement

Type	ARM
Amount	Amount Recorded
Term	300 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2024
Change Frequency	Annually

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREDERICK VA
Recording Date	May 20, 2019
Property Address	270 MORGAN RD, CROSS JUNCTION, VA 22625-1561
Document Number	0000004663
Instrument Date	May 20, 2019
Instrument	190004663
Transaction Type	Transfer
Record Updated	May 28, 2021
Title Company	ALL AMERICAN TITLE LLC

Transaction

Amount	Amount Recorded
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	270 MORGAN RD, CROSS JUNCTION, VA 22625-1561

Mortgage

Document Number	0000004664
Date	May 20, 2019
Instrument	190004664

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Fixed Rate

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREDERICK VA
Recording Date	Dec 19, 2018
Property Address	270 MORGAN RD, CROSS JUNCTION, VA 22625-1561
Document Number	0000012567
Instrument Date	Dec 1, 2018
Instrument	12567
Transaction Type	Transfer
Record Updated	Jan 24, 2019
Title Company	DIRECT TITLE SOLUTIONS INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1004 PARK ST SE VIENNA VA 221805981, VIENNA, VA 22180-5981

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	$3,391.00 (+10.42%)	$639,880 Land $113,600 Building $526,280	$639,880 Land $113,600 Building $526,280
2025	$3,071.00

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	Moderate above 45% of the US · above 72% of Virginia
Wildfire Likelihood	0.05% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Morgan Wireless Fixed Wireless · not low latency	25 / 3
T-Mobile Fixed Wireless	25 / 3

May also be available: Frontier, Verizon.

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