Frederick County property record for 300 Gardners Rd, Cross Junction, VA 22625
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,820 sqft · built 1998 |
| Lot Size | 4.13 acres (179,903 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,294 (2026) |
| Deeds & Mortgages | Dec 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 115-7 |
| Primary APN | 115-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,820 sqft Living Area |
| Gross Area | 3,952 sqft |
| 1st Floor Area | 1,820 sqft |
| Basement Area | 1,820 sqft |
| Unfinished Basement | 1,820 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 179,903 sqft (4.13 acres) |
| Terrain | Rolling |
| Garage Type | Detached |
| Garage Area | 1,200 sqft |
| Porch | Porch |
| Porch Area | 312 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Water Source | Well |
| Account Number | 8035203 |
|---|---|
| Street Address | 300 GARDNERS RD |
| City | CROSS JUNCTION |
| State | VA |
| Zip | 22625-2229 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | MARYS FIELD L7 4.13 ACRES |
| Legal Subdivision | 2 |
| Legal Lot Number | 7 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 50300 |
300 Gardners Rd is owned and occupied by two individuals.
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 | 300 GARDNERS RD, CROSS JUNCTION, VA 22625-2229 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 300 GARDNERS RD, CROSS JUNCTION, VA 22625-2229 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Title Company | RGS TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0000013595 |
|---|---|
| Date | Dec 16, 2019 |
| Instrument | 190013595 |
| Name | WELLS FARGO BANK NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 1, 2040 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.49% |
The 2026 property tax bill for 300 Gardners Rd was $2,294, up 10.4% from the year before.
Source: Frederick County assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,294.00 (+10.45%) | $432,800 Land $93,700 Building $339,100 | $432,800 Land $93,700 Building $339,100 |
| 2025 | $2,077.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 300 Gardners Rd in Zone X, an area of minimal flood risk.
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 risk around 300 Gardners Rd is moderate, ranking above 47% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · above 75% of Virginia |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
5G and 4G LTE (outdoors only)
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