Frederick County property record for 324 Overlook Dr, Cross Junction, VA 22625
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,896 sqft · built 1990 |
| Lot Size | 0.26 acres (11,530 sqft) |
| Owner | Individual Name on File |
| Last Sale | $187,900 (Jan 2020) |
| Tax Bill | $1,750 (2026) |
| Deeds & Mortgages | Jun 2026 Line of Credit Oct 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A022-6-390 |
| Primary APN | 18A022-6-390 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,896 sqft Living Area |
| Gross Area | 3,124 sqft |
| 1st Floor Area | 780 sqft |
| Basement Area | 585 sqft |
| Finished Basement | 585 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,530 sqft (0.26 acres) |
| Terrain | Wooded |
| Porch | Porch |
| Porch Area | 120 sqft |
| Deck Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8001582 |
|---|---|
| Street Address | 324 OVERLOOK DR |
| City | CROSS JUNCTION |
| State | VA |
| Zip | 22625-2450 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LAKE HOLIDAY EST. L390 P6 S2 |
| Legal Subdivision | LAKE HOLIDAY |
| Legal Phase | 6 |
| Legal Lot Number | 390 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 50300 |
324 Overlook Dr is owned and occupied by an individual who bought it in January 2020.
Source: Frederick County records, as of October 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 324 OVERLOOK DR, CROSS JUNCTION, VA 22625-2450 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 22, 2026 | Deed of Trust, Mortgage · Line of Credit FNB BANK |
| Oct 14, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance INTEGRITY HOME MORTGAGE CORPORATION |
| Jan 6, 2020 | Warranty Deed, Transfer · FHA Mortgage INTEGRITY HOME MORTGAGE CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 6, 2020 · Amount on File |
| Deed Sale | Jan 6, 2020 · Amount on File |
| Prior Sale | May 21, 2007 · Amount on File |
| Deed Document Number | 2020165 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Jun 22, 2026 |
| Property Address | 324 OVERLOOK DR, CROSS JUNCTION, VA 22625-2450 |
| Document Number | 0000006371 |
| Instrument Date | Jun 15, 2026 |
| Instrument | 20266371 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 324 OVERLOOK DR, CROSS JUNCTION, VA 22625-2450 |
| Document Number | 0000006371, |
|---|---|
| Date | Jun 22, 2026 |
| Instrument | 20266371 |
| Name | FNB BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jun 15, 2051 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK VA |
| Property Address | 324 OVERLOOK DR, CROSS JUNCTION, VA 22625-2450 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2021 |
| Title Company | QUALITY TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0000017382 |
|---|---|
| Date | Oct 14, 2021 |
| Instrument | 210017382 |
| Name | INTEGRITY HOME MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.88% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Jan 6, 2020 |
| Property Address | 324 OVERLOOK DR, CROSS JUNCTION, VA 22625-2450 |
| Document Number | 0000000165 |
| Instrument Date | Dec 31, 2019 |
| Instrument | 200000165 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2021 |
| Title Company | RGS TITLE LLC |
| Amount | Amount on Record |
|---|---|
| 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 | 324 OVERLOOK DR, CROSS JUNCTION, VA 22625-2450 |
| Document Number | 0000000166 |
|---|---|
| Date | Jan 6, 2020 |
| Instrument | 200000166 |
| Name | INTEGRITY HOME MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 324 Overlook Dr was $1,750, up 10.4% from the year before.
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 | $1,750.00 (+10.41%) | $330,200 Land $58,000 Building $272,200 | $330,200 Land $58,000 Building $272,200 |
| 2025 | $1,585.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 324 Overlook 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 risk around 324 Overlook Dr is low, with a 0.02% 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 | 0.02% 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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