Frederick County property record for 323 Masters Dr, Cross Junction, VA 22625
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,713 sqft · built 1989 |
| Lot Size | 0.25 acres (11,032 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $349,900 (Mar 2026) |
| Tax Bill | $1,785 (2026) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage May 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A022-12-259 |
| Primary APN | 18A022-12-259 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,713 sqft Living Area |
| Gross Area | 4,606 sqft |
| 1st Floor Area | 1,700 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,032 sqft (0.25 acres) |
| Terrain | Rolling |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 232 sqft |
| Deck Area | 480 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8001693 |
|---|---|
| Street Address | 323 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. L259 P1 2 S2 |
| Legal Subdivision | LAKE HOLIDAY |
| Legal Phase | 1 |
| Legal Lot Number | 259 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 4 |
| Census Block | 4007 |
| 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 MASTERS DR, CROSS JUNCTION, VA 22625-2440 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Mar 3, 2026 | Deed, Transfer · FHA Mortgage NEXTMORTGAGE LLC |
| May 8, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Nov 28, 2018 | Grant Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Jun 7, 2018 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 3, 2026 · Amount on Record |
| Deed Sale | Mar 3, 2026 · Amount on Record |
| Prior Sale | Nov 28, 2018 · Amount on Record |
| Deed Document Number | 20261967 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Mar 3, 2026 |
| Property Address | 323 MASTERS DR, CROSS JUNCTION, VA 22625-2440 |
| Document Number | 0000001967 |
| Map Reference | MB 376 PG 190 |
| Instrument Date | Mar 2, 2026 |
| Instrument | 260001967 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2026 |
| Title Company | RETAIL TITLE SOLUTIONS LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $350.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 323 MASTERS DR, CROSS JUNCTION, VA 22625-2440 |
| Document Number | 0000001968 |
|---|---|
| Date | Mar 3, 2026 |
| Instrument | 260001968 |
| Name | NEXTMORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Number | 0000001969 |
|---|---|
| Date | Mar 3, 2026 |
| Instrument | 260001969 |
| Name | NEXTMORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | SAN RAMON, CA 94583 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 323 MASTERS DR, CROSS JUNCTION, VA 22625-2440 |
| Document Number | 0000005724 |
| Instrument Date | May 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 323 MASTERS DR CROSS JUNCTION VA 226252440, CROSS JUNCTION, VA 22625-2440 |
| Document Number | 0000005724 |
|---|---|
| Date | May 18, 2020 |
| Instrument | 5724 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 17, 2040 |
| Rate | 3.12% |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Nov 28, 2018 |
| Property Address | 323 MASTERS DR, CROSS JUNCTION, VA 22625-2440 |
| Document Number | 0000011784 |
| Instrument Date | Nov 26, 2018 |
| Instrument | 11784 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2018 |
| 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 | $198.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 323 MASTERS DR CROSS JUNCTION VA 226252440, CROSS JUNCTION, VA 22625-2440 |
| Document Number | 11785 |
|---|---|
| Date | Nov 28, 2018 |
| Instrument | 11785 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 27, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 323 MASTERS DR, CROSS JUNCTION, VA 22625-2440 |
| Document Number | 0000005558 |
| Instrument Date | Jun 7, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 323 MASTERS DR CROSS JUNCTION VA 226252440, CROSS JUNCTION, VA 22625-2440 |
| Document Number | 0000005558 |
|---|---|
| Date | Jun 13, 2018 |
| Instrument | 5558 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 12, 2048 |
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 | $1,785.00 (+10.46%) | $336,700 (-) Land $58,000 Building $278,700 | $336,700 (-) Land $58,000 Building $278,700 |
| 2025 | $1,616.00 (+67.46%) | $336,700 Land $58,000 Building $278,700 | $336,700 Land $58,000 Building $278,700 |
| 2024 | $965.00 |
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 182 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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