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401 Masters Dr, Cross Junction, VA 22625 Property Records

Frederick County property record for 401 Masters Dr, Cross Junction, VA 22625 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,308 sqft · built 1988
Lot Size0.23 acres (10,212 sqft)
Owner2 Individual Names on File
Last Sale$100,000 (Nov 2011)
Tax Bill$1,617 (2026)
Deeds & MortgagesJul 2019 Mortgage
Sep 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN18A022-13-254

Property Details

APN / Parcel Number

Primary APN18A022-13-254
Alternative APN
  • 8001714

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms9 Rooms
Stories1 Story
Building Area1,308 sqft Living Area
Gross Area3,116 sqft
1st Floor Area1,232 sqft
Basement Area1,232 sqft
Finished Basement1,232 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 2004
Architectural StyleSplit Foyer
Exterior MaterialVinyl
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area10,212 sqft (0.23 acres)
TerrainRolling
Deck Area576 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
Heating FuelElectric
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number8001714
Street Address401 MASTERS DR
CityCROSS JUNCTION
StateVA
Zip22625-2441
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKE HOLIDAY EST. L254 P1 3 S2
Legal SubdivisionLAKE HOLIDAY
Legal Phase1
Legal Lot Number254
JurisdictionFREDERICK VA
Township / Civil DivisionGAINESBORO
Census Block Group4
Census Block4007
Census Tract50300

Owner

Source: Frederick County records · APN 18A022-13-254

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 Record2 Individual Names on File
Mailing Address401 MASTERS DR, CROSS JUNCTION, VA 22625-2441
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 24, 2019Deed of Trust, Mortgage · FHA Mortgage
FIRST SAVINGS BANK
Sep 22, 2017Deed of Trust, Mortgage
QUICKEN LNS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 10, 2011 · Amount on Record
Deed SaleNov 10, 2011 · Amount on Record
Prior SaleJun 15, 2010 · Amount on Record
Deed Book / Page1100 / 10026
Record UpdatedSep 20, 2026

July 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK VA
Property Address401 MASTERS DR, CROSS JUNCTION, VA 22625-2441
Transaction TypeMortgage
Record UpdatedDec 23, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000007261
DateJul 24, 2019
Instrument190007261
Lender
NameFIRST SAVINGS BANK
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2049
Interest
Rate TypeFixed Rate

September 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK VA
Property Address401 MASTERS DR, CROSS JUNCTION, VA 22625-2441
Document Number0000010070
Instrument DateSep 22, 2017
Transaction TypeMortgage
Record UpdatedJan 23, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address401 MASTERS DR CROSS JUNCTION VA 226252441, CROSS JUNCTION, VA 22625-2441

Mortgage

Document Number0000010070
DateSep 28, 2017
Instrument10070
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
AmountAmount Recorded
Term360 Months
DueSep 27, 2047

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated July 9, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateVirginia
CountyFrederick County
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2026$1,617.00 (+10.45%)$305,000 Land $58,000 Building $247,000$305,000 Land $58,000 Building $247,000
2025$1,464.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (51069C), updated February 3, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510690503004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies4 in force

Wildfire

Wildfire RiskLow
above 20% of the US · above 29% of Virginia
Wildfire LikelihoodAbout 1 in 3,571 per year
ExposureDirect
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 182 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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