Frederick County property record for 634 Lakeview Dr, Cross Junction, VA 22625
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,317 sqft · built 2007 |
| Lot Size | 0.29 acres (12,435 sqft) |
| Owner | Individual Name on File |
| Last Sale | $475,000 (May 2026) |
| Tax Bill | $2,621 (2026) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Mar 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A022-5-351 |
| Primary APN | 18A022-5-351 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,317 sqft Living Area |
| Gross Area | 6,145 sqft |
| 1st Floor Area | 1,811 sqft |
| Basement Area | 1,811 sqft |
| Unfinished Basement | 1,811 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Brick |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,435 sqft (0.29 acres) |
| Terrain | Wooded |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 531 sqft |
| Deck Area | 500 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8001559 |
|---|---|
| Street Address | 634 LAKEVIEW DR |
| City | CROSS JUNCTION |
| State | VA |
| Zip | 22625-2425 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LAKE HOLIDAY EST. L351 P5 S2 |
| Legal Subdivision | LAKE HOLIDAY |
| Legal Phase | 5 |
| Legal Lot Number | 351 |
| Jurisdiction | FREDERICK VA |
| Township / Civil Division | GAINESBORO |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 50300 |
634 Lakeview Dr is owned and occupied by an individual who bought it in May 2026.
Source: Frederick County records, as of August 18, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 634 LAKEVIEW DR, CROSS JUNCTION, VA 22625-2425 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| May 18, 2026 | Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE |
| Mar 15, 2022 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Jul 27, 2017 | Warranty Deed, Transfer · Conventional Mortgage GEORGE MASON MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 18, 2026 · Amount on File |
| Deed Sale | May 18, 2026 · Amount on File |
| Prior Sale | Mar 15, 2022 · Amount on File |
| Deed Document Number | 20264972 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | May 18, 2026 |
| Property Address | 634 LAKEVIEW DR, CROSS JUNCTION, VA 22625-2425 |
| Document Number | 0000004972 |
| Instrument Date | May 11, 2026 |
| Instrument | 20264972 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $47,975.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 634 LAKEVIEW DR, CROSS JUNCTION, VA 22625-2425 |
| Document Number | 0000004974, |
|---|---|
| Date | May 18, 2026 |
| Instrument | 20264974 |
| Name | ATLANTIC COAST MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Mar 15, 2022 |
| Property Address | 634 LAKEVIEW DR, CROSS JUNCTION, VA 22625-2425 |
| Document Number | 0000003262 |
| Instrument Date | Mar 4, 2022 |
| Instrument | 220003262 |
| Transaction Type | Transfer |
| Record Updated | Apr 6, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 634 LAKEVIEW DR, CROSS JUNCTION, VA 22625-2425 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK VA |
| Recording Date | Jul 27, 2017 |
| Property Address | 634 LAKEVIEW DR, CROSS JUNCTION, VA 22625-2425 |
| Document Number | 0000007582 |
| Instrument Date | Jul 11, 2017 |
| Instrument | 170007582 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2021 |
| Title Company | DIRECT TITLE SOLUTIONS |
| Amount | Amount 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 | 634 LAKEVIEW DR, CROSS JUNCTION, VA 22625-2425 |
| Document Number | 0000007583 |
|---|---|
| Date | Jul 27, 2017 |
| Instrument | 170007583 |
| Name | GEORGE MASON MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 634 Lakeview Dr was $2,621, 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 | $2,621.00 (+10.4%) | $494,600 (-) Land $58,000 Building $436,600 | $494,600 (-) Land $58,000 Building $436,600 |
| 2025 | $2,374.00 | $494,600 Land $58,000 Building $436,600 | $494,600 Land $58,000 Building $436,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 634 Lakeview Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 634 Lakeview 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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