Frederick County property record for 312 Laurel Dr, Cross Junction, VA 22625
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,533 sqft · built 2023 |
| Lot Size | 0.24 acres (10,626 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $28,000 (Jun 2022) |
| Tax Bill | $2,131 (2026) |
| Deeds & Mortgages | Oct 2023 Line of Credit Jun 2022 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A088A-4-13 |
| Primary APN | 18A088A-4-13 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,533 sqft Living Area |
| Gross Area | 4,004 sqft |
| 1st Floor Area | 1,533 sqft |
| Basement Area | 1,533 sqft |
| Unfinished Basement | 1,533 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2026 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 10,626 sqft (0.24 acres) |
| Terrain | Wooded |
| Garage Area | 588 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8002856 |
|---|---|
| Street Address | 312 LAUREL DR |
| City | CROSS JUNCTION |
| State | VA |
| Zip | 22625-2557 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LAKE HOLIDAY EST. L13 P4 S.8A |
| Legal Subdivision | LAKE HOLIDAY |
| Legal Phase | 4 |
| Legal Lot Number | 13 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 4 |
| Census Block | 4031 |
| Census Tract | 50300 |
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 | 312 LAUREL DR, CROSS JUNCTION, VA 22625-2557 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 23, 2023 | Deed of Trust, Mortgage · Line of Credit CITY NATIONAL BANK OF WEST VIRGINIA |
| Jun 21, 2022 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Sep 30, 2021 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Aug 21, 2020 | Grant Deed, Transfer COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE INS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 21, 2022 · Amount on Record |
| Deed Sale | Jun 21, 2022 · Amount on Record |
| Prior Sale | Sep 30, 2021 · Amount on Record |
| Deed Document Number | 20227845 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 312 LAUREL DR, CROSS JUNCTION, VA 22625-2557 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000009383 |
|---|---|
| Date | Oct 23, 2023 |
| Instrument | 230009383 |
| Name | CITY NATIONAL BANK OF WEST VIRGINIA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Jun 21, 2022 |
| Property Address | 312 LAUREL DR, CROSS JUNCTION, VA 22625-2557 |
| Document Number | 0000007845 |
| Instrument Date | Jun 20, 2022 |
| Instrument | 220007845 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 344 SONGBIRD LN, WINCHESTER, VA 22603-3260 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Sep 30, 2021 |
| Property Address | 312 LAUREL DR, CROSS JUNCTION, VA 22625-2557 |
| Document Number | 0000016579 |
| Instrument Date | Sep 30, 2021 |
| Instrument | 210016579 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 110 BROOKLAND CT, WINCHESTER, VA 22602-6180 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Aug 21, 2020 |
| Property Address | 312 LAUREL DR, CROSS JUNCTION, VA 22625-2557 |
| Document Number | 0000011101 |
| Instrument Date | Aug 21, 2020 |
| Instrument | 11101 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2020 |
| Title Company | COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE INS |
| Amount | Amount Recorded |
|---|---|
| Tax | $6.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1189 HARTMAN LN BERKELEY SPRINGS WV 254119335, BERKELEY SPRINGS, WV 25411-9335 |
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 | $2,131.00 (+10.41%) | $402,100 Land $58,000 Building $344,100 | $402,100 Land $58,000 Building $344,100 |
| 2025 | $1,930.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 58% of Virginia |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 99 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
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