318 Masters Dr, Cross Junction, VA 22625 Property Records

Frederick County property record for 318 Masters Dr, Cross Junction, VA 22625

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,941 sqft · built 1988
Lot Size	0.23 acres (9,866 sqft)
Owner	Individual Name on File
Last Sale	$267,900 (Mar 2005)
Tax Bill	$1,805 (2026)
Deeds & Mortgages	Dec 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A022-12-180`

Property Details

APN / Parcel Number

Primary APN	`18A022-12-180`
Alternative APN	`8001682`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,941 sqft Living Area
Gross Area	3,738 sqft
1st Floor Area	1,016 sqft
Basement Area	1,017 sqft
Finished Basement	1,017 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2004
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,866 sqft (0.23 acres)
Terrain	Rolling
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	26 sqft
Deck Area	270 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	8001682
Street Address	318 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. L180 P12 S2
Legal Subdivision	LAKE HOLIDAY
Legal Phase	12
Legal Lot Number	180
Jurisdiction	FREDERICK VA
Township / Civil Division	GAINESBORO
Census Block Group	4
Census Block	4006
Census Tract	50300

Owner

318 Masters Dr is owned and occupied by an individual who acquired it in November 2025.

Source: Frederick County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	318 MASTERS DR, CROSS JUNCTION, VA 22625-2430
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2005 · Amount on File
Deed Sale	Mar 15, 2005 · Amount on File
Deed Book / Page	500 / 5288
Last Transfer Date	Nov 24, 2025
Transfer Doc	0000012193
Record Updated	Sep 20, 2026

December 2025: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	FREDERICK VA
Recording Date	Dec 4, 2025
Property Address	318 MASTERS DR, CROSS JUNCTION, VA 22625-2430
Document Number	0000012193
Map Reference	MB 376 PG 190
Instrument Date	Nov 24, 2025
Instrument	250012193
Transaction Type	Transfer
Record Updated	Dec 30, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 MASTERS DR, CROSS JUNCTION, VA 22625-2430

Mortgage

Document Number	0000012194
Date	Dec 4, 2025
Instrument	250012194

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2041

Tax Assessment & Valuation

The 2026 property tax bill for 318 Masters Dr was $1,805, up 10.5% from the year before.

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	$1,805.00 (+10.47%)	$340,500 (-) Land $58,000 Building $282,500	$340,500 (-) Land $58,000 Building $282,500
2025	$1,634.00 (+61.46%)	$340,500 Land $58,000 Building $282,500	$340,500 Land $58,000 Building $282,500
2024	$1,012.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 318 Masters Dr 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

Wildfire risk around 318 Masters Dr is low, with a 0.03% 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	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 94 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