Frederick County property record for 319 Masters Dr, Cross Junction, VA 22625
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,380 sqft · built 1982 |
| Lot Size | 0.32 acres (13,782 sqft) |
| Owner | Individual Name on File |
| Last Sale | $319,900 (Jul 2024) |
| Tax Bill | $1,699 (2026) |
| Deeds & Mortgages | Oct 2020 Refinance Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A022-12-261 |
| Primary APN | 18A022-12-261 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,380 sqft Living Area |
| Gross Area | 4,012 sqft |
| 1st Floor Area | 1,288 sqft |
| Basement Area | 1,288 sqft |
| Finished Basement | 1,288 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 13,782 sqft (0.32 acres) |
| Terrain | Rolling |
| Garage Area | 720 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 343 sqft |
| Patio Area | 686 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8001695 |
|---|---|
| Street Address | 319 MASTERS DR |
| City | CROSS JUNCTION |
| State | VA |
| Zip | 22625-2440 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LAKE HOLIDAY EST. L261 P1 2 S2 |
| Legal Subdivision | LAKE HOLIDAY |
| Legal Phase | 1 |
| Legal Lot Number | 261 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 50300 |
Source: Frederick County records · APN 18A022-12-261
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 | 319 MASTERS DR, CROSS JUNCTION, VA 22625-2440 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 19, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance USAA FEDERAL SAVINGS BANK |
| Jun 28, 2019 | Grant Deed, Transfer USAA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 31, 2024 · Amount on Record |
| Deed Sale | Jul 31, 2024 · Amount on Record |
| Prior Sale | Jun 28, 2019 · Amount on Record |
| Deed Document Number | 20246744 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 319 MASTERS DR, CROSS JUNCTION, VA 22625-2440 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0000014602 |
|---|---|
| Date | Oct 19, 2020 |
| Instrument | 200014602 |
| Name | USAA FEDERAL SAVINGS BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Jun 28, 2019 |
| Property Address | 319 MASTERS DR, CROSS JUNCTION, VA 22625-2440 |
| Document Number | 0000006325 |
| Instrument Date | Jun 21, 2019 |
| Instrument | 6325 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2019 |
| Title Company | RGS TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $185.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 319 MASTERS DR CROSS JUNCTION VA 226252440, CROSS JUNCTION, VA 22625-2440 |
| Document Number | 6326 |
|---|---|
| Date | Jun 28, 2019 |
| Instrument | 6326 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 27, 2049 |
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 | $1,699.00 (+10.47%) | $320,500 Land $58,000 Building $262,500 | $320,500 Land $58,000 Building $262,500 |
| 2025 | $1,538.00 |
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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