Frederick County property record for 322 Masters Dr, Cross Junction, VA 22625
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,048 sqft · built 1981 |
| Lot Size | 0.22 acres (9,395 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $269,900 (Nov 2025) |
| Tax Bill | $1,238 (2026) |
| Deeds & Mortgages | Mar 2025 Second Mortgage Nov 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A022-12-182 |
| Primary APN | 18A022-12-182 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,048 sqft Living Area |
| Gross Area | 2,679 sqft |
| 1st Floor Area | 1,024 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Flat |
| Roof Material | Other |
| Lot Area | 9,395 sqft (0.22 acres) |
| Terrain | Rolling |
| Porch | Porch |
| Porch Area | 42 sqft |
| Deck Area | 501 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8001684 |
|---|---|
| Street Address | 322 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. L182 P1 2 S2 |
| Legal Subdivision | LAKE HOLIDAY |
| Legal Phase | 1 |
| Legal Lot Number | 182 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 50300 |
Source: Frederick County records, as of August 18, 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 Record |
|---|---|
| Mailing Address | 322 MASTERS DR, CROSS JUNCTION, VA 22625-2430 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Mar 19, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME |
| Nov 24, 2025 | Deed, Transfer · FHA Mortgage INTEGRITY HOME MORTGAGE CORP |
| Nov 22, 2022 | Warranty Deed, Transfer · FHA Mortgage CBM MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 24, 2025 · Amount on Record |
| Deed Sale | Nov 24, 2025 · Amount on Record |
| Prior Sale | Apr 28, 2025 · Amount on Record |
| Deed Document Number | 202511865 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 322 MASTERS DR, CROSS JUNCTION, VA 22625-2430 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000002532 |
|---|---|
| Date | Mar 19, 2025 |
| Instrument | 250002532 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPME |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 333 Months |
| Due | Dec 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Nov 24, 2025 |
| Property Address | 322 MASTERS DR, CROSS JUNCTION, VA 22625-2430 |
| Document Number | 0000011865 |
| Instrument Date | Nov 21, 2025 |
| Instrument | 250011865 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2025 |
| Title Company | REGIS TITLE LLC, RGS TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $270.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 322 MASTERS DR, CROSS JUNCTION, VA 22625-2430 |
| Document Number | 0000011866 |
|---|---|
| Date | Nov 24, 2025 |
| Instrument | 250011866 |
| Name | INTEGRITY HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Nov 22, 2022 |
| Property Address | 322 MASTERS DR, CROSS JUNCTION, VA 22625-2430 |
| Document Number | 0000013890 |
| Instrument Date | Nov 21, 2022 |
| Instrument | 220013890 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment 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 | 322 MASTERS DR, CROSS JUNCTION, VA 22625-2430 |
| Document Number | 0000013891 |
|---|---|
| Date | Nov 22, 2022 |
| Instrument | 220013891 |
| Name | CBM MORTGAGE INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Jul 1, 2052 |
| Rate Type | Fixed Rate |
|---|
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 | $1,238.00 (+10.44%) | $233,600 (-) Land $58,000 Building $175,600 | $233,600 (-) Land $58,000 Building $175,600 |
| 2025 | $1,121.00 (+47.5%) | $233,600 Land $58,000 Building $175,600 | $233,600 Land $58,000 Building $175,600 |
| 2024 | $760.00 |
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 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.
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 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 |
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