109 Waterside Ln Cross Junction, VA 22625
Cross Junction NeighborhoodEstimated payment $2,908/month
Highlights
- Hot Property
- Beach
- Home fronts navigable water
- 1 Dock Slip
- Pier or Dock
- Water Access
About This Home
PROFESSIONAL PHOTOS COMING SOON! Spectacular Lakeview Home with Multiple Decks & Panoramic Views! Enjoy breathtaking lake views of the wide body of lake from all three levels of this stunning home featuring two expansive front decks and a private wrap-around deck off the primary suite. Designed for entertaining and everyday comfort, the open floor plan showcases soaring circular ceilings, elegant columns, and a spacious kitchen equipped with double ovens, gas range, and all kitchen appliances conveying. Offering approximately 3,000 finished square feet, this home includes a fully finished lower level with a third full bath and additional family room, perfect for guests, recreation, or flexible living space. The oversized primary suite features vaulted ceilings, double doors, and direct access to the private deck, creating a true retreat with lake views. Multiple outdoor living spaces, generous interior layout, and incredible scenery make this property ideal for full-time living or a lake getaway. Updates include brand new decking, fresh interior painting, and newly installed flooring. Come enjoy lake life living with boating, kayaking, swimming at multiple sandy beaches, sports courts, dog parks, fishing pier and clubhouse with fitness room and offering tons of scheduled activities for all ages!
Listing Agent
(540) 662-0323 lcox.realtor@gmail.com Colony Realty Brokerage Phone: 5406620323 Listed on: 01/30/2026
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $2,147
Year Built
- Built in 2004
Lot Details
- 10,528 Sq Ft Lot
- Home fronts navigable water
- Property is zoned R5
HOA Fees
- $156 Monthly HOA Fees
Parking
- 2 Car Direct Access Garage
- Front Facing Garage
- Driveway
- Off-Street Parking
Home Design
- Colonial Architecture
- Shingle Roof
- Vinyl Siding
- Concrete Perimeter Foundation
Interior Spaces
- Property has 3 Levels
- Vaulted Ceiling
- 2 Fireplaces
- Gas Fireplace
- Window Treatments
- Family Room
- Living Room
- Dining Room
- Wood Flooring
- Lake Views
Kitchen
- Eat-In Kitchen
- Built-In Double Oven
- Cooktop
- Microwave
- Dishwasher
- Disposal
Bedrooms and Bathrooms
- 3 Bedrooms
- En-Suite Bathroom
Finished Basement
- Walk-Out Basement
- Partial Basement
- Connecting Stairway
- Interior Basement Entry
Outdoor Features
- Water Access
- Property is near a lake
- Physical Dock Slip Conveys
- 1 Dock Slip
- 1 Powered Boats Permitted
- 3 Non-Powered Boats Permitted
- Lake Privileges
- Deck
- Exterior Lighting
Schools
- Gainesboro Elementary School
- Frederick County Middle School
- James Wood High School
Utilities
- Central Air
- Heat Pump System
- Electric Water Heater
Listing and Financial Details
- Coming Soon on 2/11/26
- Tax Lot 1208
- Assessor Parcel Number 18-A05-5B-3-1208
Community Details
Overview
- $2,000 Capital Contribution Fee
- Association fees include common area maintenance, management, pier/dock maintenance, reserve funds, security gate
- Lake Holiday Country Club HOA
- Lake Holiday Estates Subdivision
- Community Lake
Amenities
- Picnic Area
- Clubhouse
- Meeting Room
- Party Room
Recreation
- Pier or Dock
- 110 Community Slips
- Beach
- Tennis Courts
- Baseball Field
- Community Basketball Court
- Volleyball Courts
- Community Playground
- Fitness Center
- Dog Park
- Jogging Path
Security
- Security Service
- Gated Community
Map
Home Values in the Area
Average Home Value in this Area
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $2,147 | $447,300 | $58,000 | $389,300 |
| 2024 | $1,243 | $380,700 | $42,000 | $338,700 |
| 2023 | $1,942 | $380,700 | $42,000 | $338,700 |
| 2022 | $1,880 | $308,200 | $37,000 | $271,200 |
| 2021 | $2,558 | $308,200 | $37,000 | $271,200 |
| 2020 | $2,365 | $276,600 | $37,000 | $239,600 |
| 2019 | $2,365 | $276,600 | $37,000 | $239,600 |
| 2018 | $2,277 | $262,100 | $37,000 | $225,100 |
| 2017 | $2,251 | $262,100 | $37,000 | $225,100 |
| 2016 | $1,427 | $237,900 | $25,100 | $212,800 |
| 2015 | $1,329 | $237,300 | $24,500 | $212,800 |
| 2014 | $339 | $185,500 | $24,500 | $161,000 |
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 02/02/2026 02/02/26 | Price Changed | $495,000 | +83.3% | $156 / Sq Ft | |
| 06/06/2014 06/06/14 | Sold | $270,000 | -3.6% | $85 / Sq Ft | View Prior Sale |
| 05/15/2014 05/15/14 | Pending | -- | -- | -- | |
| 05/15/2014 05/15/14 | For Sale | $280,000 | +53.7% | $88 / Sq Ft | |
| 05/04/2012 05/04/12 | Sold | $182,188 | +4.2% | $78 / Sq Ft | View Prior Sale |
| 03/09/2012 03/09/12 | Pending | -- | -- | -- | |
| 02/17/2012 02/17/12 | Price Changed | $174,900 | -2.8% | $75 / Sq Ft | |
| 01/25/2012 01/25/12 | Price Changed | $179,900 | -5.3% | $77 / Sq Ft | |
| 12/13/2011 12/13/11 | For Sale | $189,900 | -- | $81 / Sq Ft |
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $270,000 | -- | |
| Special Warranty Deed | $182,187 | -- | |
| Trustee Deed | $161,500 | -- | |
| Warranty Deed | $328,324 | -- | |
| Deed | $159,120 | -- |
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $243,000 | New Conventional | |
| Previous Owner | $182,187 | VA | |
| Previous Owner | $32,800 | Construction |
Source: Bright MLS
MLS Number: VAFV2039256
APN: 18A055B-3-1208
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