Frederick County property record for 304 Nordic Dr, Cross Junction, VA 22625
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 3,122 sqft · built 2005 |
| Lot Size | 0.37 acres (16,233 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $290,000 (Feb 2018) |
| Tax Bill | $3,131 (2026) |
| Deeds & Mortgages | Sep 2021 Refinance Feb 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A055A-2-97 |
| Primary APN | 18A055A-2-97 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 17 Rooms |
| Stories | 2 Stories |
| Building Area | 3,122 sqft Living Area |
| Gross Area | 5,821 sqft |
| 1st Floor Area | 1,701 sqft |
| Basement Area | 1,701 sqft |
| Finished Basement | 1,701 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Stone |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 16,233 sqft (0.37 acres) |
| Terrain | Rolling |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 515 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8002156 |
|---|---|
| Street Address | 304 NORDIC DR |
| City | CROSS JUNCTION |
| State | VA |
| Zip | 22625-2495 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LAKE HOLIDAY EST. L97 P2 S.5A |
| Legal Subdivision | LAKE HOLIDAY |
| Legal Phase | 2 |
| Legal Lot Number | 97 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 50300 |
304 Nordic Dr is owned and occupied by two individuals who bought it in February 2018.
Source: Frederick County records, as of October 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 304 NORDIC DR, CROSS JUNCTION, VA 22625-2495 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 27, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance INTEGRITY HOME MORTGAGE CORPORATION |
| Feb 8, 2018 | Warranty Deed, Transfer · ARM CITY NATIONAL BANK OF WEST VIRGINIA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 8, 2018 · Amount on File |
| Deed Sale | Feb 8, 2018 · Amount on File |
| Prior Sale | Jun 20, 2008 · Amount on File |
| Deed Document Number | 20181206 |
| Prior Transfer Date | Dec 10, 2007 |
| Prior Transfer Doc | 0700018649 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 304 NORDIC DR, CROSS JUNCTION, VA 22625-2495 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 0000016276 |
|---|---|
| Date | Sep 27, 2021 |
| Instrument | 210016276 |
| Name | INTEGRITY HOME MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Feb 8, 2018 |
| Property Address | 304 NORDIC DR, CROSS JUNCTION, VA 22625-2495 |
| Document Number | 0000001206 |
| Instrument Date | Feb 6, 2018 |
| Instrument | 180001206 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 304 NORDIC DR, CROSS JUNCTION, VA 22625-2495 |
| Document Number | 0000001207 |
|---|---|
| Date | Feb 8, 2018 |
| Instrument | 180001207 |
| Name | CITY NATIONAL BANK OF WEST VIRGINIA |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Type Change Date | Mar 1, 2023 |
|---|
The 2026 property tax bill for 304 Nordic Dr was $3,131, 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 | $3,131.00 (+10.44%) | $590,660 Land $58,000 Building $532,660 | $590,660 Land $58,000 Building $532,660 |
| 2025 | $2,835.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 304 Nordic Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.
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 | 2 in force |
| Nearby Flood Claims | 1 (2018) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2018 |
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 304 Nordic Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAKE HOLIDAY ESTATES private · serves 2,130 people · EPA ID VA2069650 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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