Frederick County property record for 323 Laurel Dr, Cross Junction, VA 22625
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,040 sqft · built 2006 |
| Lot Size | 0.28 acres (12,220 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $380,000 (May 2023) |
| Tax Bill | $2,285 (2026) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Apr 2021 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A088A-4-62 |
| Primary APN | 18A088A-4-62 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,040 sqft Living Area |
| Gross Area | 4,774 sqft |
| 1st Floor Area | 1,041 sqft |
| Basement Area | 778 sqft |
| Finished Basement | 778 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,220 sqft (0.28 acres) |
| Terrain | Wooded |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 171 sqft |
| Deck Area | 375 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8002867 |
|---|---|
| Street Address | 323 LAUREL DR |
| City | CROSS JUNCTION |
| State | VA |
| Zip | 22625-2561 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LAKE HOLIDAY EST. L62 P4 S.8A |
| Legal Subdivision | LAKE HOLIDAY |
| Legal Phase | 4 |
| Legal Lot Number | 62 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 4 |
| Census Block | 4033 |
| 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 | 323 LAUREL DR, CROSS JUNCTION, VA 22625-2561 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 22, 2023 | Warranty Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION |
| Apr 30, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Aug 26, 2020 | Intrafamily Transfer, Transfer · Stand-Alone Refinance LAKEVIEW LOAN SERVICING LLC |
| Apr 1, 2019 | Grant Deed, Transfer · FHA Mortgage PRIME LNDG |
| Dec 22, 2017 | Warranty Deed, Transfer · FHA Mortgage ALCOVA MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 22, 2023 · Amount on Record |
| Deed Sale | May 22, 2023 · Amount on Record |
| Prior Sale | Apr 1, 2019 · Amount on Record |
| Deed Document Number | 20234169 |
| Prior Transfer Date | Jul 28, 2008 |
| Prior Transfer Doc | 0800009656 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | May 22, 2023 |
| Property Address | 323 LAUREL DR, CROSS JUNCTION, VA 22625-2561 |
| Document Number | 0000004169 |
| Instrument Date | May 19, 2023 |
| Instrument | 230004169 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| 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 | 323 LAUREL DR, CROSS JUNCTION, VA 22625-2561 |
| Document Number | 0000004170 |
|---|---|
| Date | May 22, 2023 |
| Instrument | 230004170 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 323 LAUREL DR, CROSS JUNCTION, VA 22625-2561 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000007250 |
|---|---|
| Date | Apr 30, 2021 |
| Instrument | 210007250 |
| Name | SPRING EQ LLC |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 1, 2041 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Aug 26, 2020 |
| Property Address | 323 LAUREL DR, CROSS JUNCTION, VA 22625-2561 |
| Document Number | 0000011387 |
| Instrument Date | Aug 17, 2020 |
| Instrument | 200011387 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 323 LAUREL DR, CROSS JUNCTION, VA 22625-2561 |
| Document Number | 0000011388 |
|---|---|
| Date | Aug 26, 2020 |
| Instrument | 200011388 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 4, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Apr 1, 2019 |
| Property Address | 323 LAUREL DR, CROSS JUNCTION, VA 22625-2561 |
| Document Number | 0000002818 |
| Instrument Date | Mar 29, 2019 |
| Instrument | 2818 |
| Transaction Type | Transfer |
| Record Updated | Apr 23, 2019 |
| Title Company | OLD TOWNE TITLE COMPANY, OLD TOWNE TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $279.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 323 LAUREL DR CROSS JUNCTION VA 226252561, CROSS JUNCTION, VA 22625-2561 |
| Document Number | 2819 |
|---|---|
| Date | Apr 1, 2019 |
| Instrument | 2819 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 31, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Dec 22, 2017 |
| Property Address | 323 LAUREL DR, CROSS JUNCTION, VA 22625-2561 |
| Document Number | 0000013408 |
| Instrument Date | Dec 19, 2017 |
| Instrument | 170013408 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2021 |
| Title Company | 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 | 323 LAUREL DR, CROSS JUNCTION, VA 22625-2561 |
| Document Number | 0000013409 |
|---|---|
| Date | Dec 22, 2017 |
| Instrument | 170013409 |
| Name | ALCOVA MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $2,285.00 (+10.39%) | $431,200 Land $58,000 Building $373,200 | $431,200 Land $58,000 Building $373,200 |
| 2025 | $2,070.00 |
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 66% of the US · above 56% 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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