Frederick County property record for 403 Masters Dr, Cross Junction, VA 22625 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 2011 |
| Square Footage | 1,560 sqft Living Area |
| Lot Size | 10,336 sqft (0.24 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $335,000 (2023) |
| Tax Bill | $1,886.00 (2026) |
| Primary APN | 18A022-13-253 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 8 Rooms |
| Building Area | 1,560 sqft Living Area |
| Gross Area | 4,528 sqft Gross Area |
| 1st Floor | 1,040 sqft 1st Floor |
| Basement Area | 950 sqft Basement |
| Finished Basement | 950 sqft Finished |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Vinyl Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 10,336 sqft (0.24 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Carport Garage |
| Garage Area | 400 sqft Garage |
| Carport | Carport |
| Carport Area | 400 sqft Carport |
| Deck Area | 312 sqft Deck |
|---|---|
| Porch | 1 Porch |
| Porch Area | 208 sqft Porch |
| Topography | Rolling Topography |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Account Number | 8001713 |
|---|---|
| Street Address | 403 MASTERS DR |
| City | CROSS JUNCTION |
| State | VA |
| Zip | 22625-2441 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LAKE HOLIDAY EST. L253 P13 S2 |
| Legal Subdivision | LAKE HOLIDAY |
| Legal Phase | 13 |
| Legal Lot Number | 253 |
| Jurisdiction | FREDERICK VA |
| Minor Civil Division | GAINESBORO |
| Census Blockgroup | 4 |
| Census Block | 4007 |
| Census Tract | 50300 |
Source: Frederick County records · APN 18A022-13-253
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 403 MASTERS DR, CROSS JUNCTION, VA 22625-2441 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 28, 2023 | Warranty Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION |
| Jun 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORPORATION |
| Aug 28, 2017 | Grant Deed, Transfer · Conventional Mortgage PHH HM LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 28, 2023 · Amount on Record |
| Deed Sale | Feb 28, 2023 · Amount on Record |
| Prior Sale | Aug 28, 2017 · Amount on Record |
| Deed Doc Number | 20231580 |
| Prior Transfer Date | Apr 29, 2017 |
| Prior Transfer Doc | 0000003483 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Feb 28, 2023 |
| Property Address | 403 MASTERS DR, CROSS JUNCTION, VA 22625-2441 |
| Document Number | 0000001580 |
| Instrument Date | Feb 24, 2023 |
| Instrument | 230001580 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2023 |
| Title Company | NAVY FEDERAL TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 403 MASTERS DR, CROSS JUNCTION, VA 22625-2441 |
| Document Number | 0000001581 |
|---|---|
| Date | Feb 28, 2023 |
| Instrument | 230001581 |
| 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 | 403 MASTERS DR, CROSS JUNCTION, VA 22625-2441 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000007045 |
|---|---|
| Date | Jun 12, 2020 |
| Instrument | 200007045 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Aug 28, 2017 |
| Property Address | 403 MASTERS DR, CROSS JUNCTION, VA 22625-2441 |
| Document Number | 0000008828 |
| Instrument Date | Aug 25, 2017 |
| Instrument | 8828 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2017 |
| Title Company | MID ATLANTIC SETTLEMENT CORPORATION, MID ATLANTIC SETTLEMENT CORP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $205.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 403 MASTERS DR CROSS JUNCTION VA 226252441, CROSS JUNCTION, VA 22625-2441 |
| Document Number | 8829 |
|---|---|
| Date | Aug 28, 2017 |
| Instrument | 8829 |
| Name | PHH HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | VIENNA, VA 22182 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 27, 2047 |
Source: Frederick County records · Assessment roll updated July 9, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,886.00 (+10.42%) | $355,900 Land $58,000 Building $297,900 | $355,900 Land $58,000 Building $297,900 |
| 2025 | $1,708.00 |
Source: FEMA National Flood Hazard Layer, Frederick County (51069C), updated February 3, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 29% of Virginia |
|---|---|
| Wildfire Likelihood | About 1 in 3,571 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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