Frederick County property record for 314 Masters Dr, Cross Junction, VA 22625
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,142 sqft · built 1984 |
| Lot Size | 0.23 acres (10,074 sqft) |
| Owner | Individual Name on File |
| Last Sale | $380,000 (Jun 2024) |
| Tax Bill | $1,369 (2026) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage Jul 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A022-12-178 |
| Primary APN | 18A022-12-178 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,142 sqft Living Area |
| Gross Area | 2,836 sqft |
| 1st Floor Area | 816 sqft |
| Basement Area | 408 sqft |
| Finished Basement | 408 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,074 sqft (0.23 acres) |
| Terrain | Rolling |
| Porch | Porch |
| Porch Area | 144 sqft |
| Deck Area | 212 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8001680 |
|---|---|
| Street Address | 314 MASTERS DR |
| City | CROSS JUNCTION |
| State | VA |
| Zip | 22625-2430 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LAKE HOLIDAY EST. L178 P1 2 S2 |
| Legal Subdivision | LAKE HOLIDAY |
| Legal Phase | 1 |
| Legal Lot Number | 178 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 50300 |
Source: Frederick County records · APN 18A022-12-178
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 | Individual Name on File |
|---|---|
| Mailing Address | 314 MASTERS DR, CROSS JUNCTION, VA 22625-2430 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 03, 2021 | Warranty Deed, Transfer · VA Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Jul 24, 2017 | Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 11, 2024 · Amount on Record |
| Deed Sale | Jun 11, 2024 · Amount on Record |
| Prior Sale | Aug 03, 2021 · Amount on Record |
| Deed Document Number | 20245074 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Aug 03, 2021 |
| Property Address | 314 MASTERS DR, CROSS JUNCTION, VA 22625-2430 |
| Document Number | 0000012988 |
| Instrument Date | Jul 30, 2021 |
| Instrument | 210012988 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 314 MASTERS DR, CROSS JUNCTION, VA 22625-2430 |
| Document Number | 0000012989 |
|---|---|
| Date | Aug 03, 2021 |
| Instrument | 210012989 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Jul 24, 2017 |
| Property Address | 314 MASTERS DR, CROSS JUNCTION, VA 22625-2430 |
| Document Number | 0000007450 |
| Instrument Date | Jul 21, 2017 |
| Instrument | 170007450 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2021 |
| Title Company | TITLE RESOURCES GUARANTY CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 314 MASTERS DR, CROSS JUNCTION, VA 22625-2430 |
| Document Number | 0000007451 |
|---|---|
| Date | Jul 24, 2017 |
| Instrument | 170007451 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Frederick County records · Assessment roll updated July 9, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
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 | $1,369.00 (+10.4%) | $258,300 Land $58,000 Building $200,300 | $258,300 Land $58,000 Building $200,300 |
| 2025 | $1,240.00 |
Source: FEMA National Flood Hazard Layer as of February 3, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 94 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LAKE HOLIDAY ESTATES private · serves 2,130 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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