109 Waterside Ln Cross Junction, VA 22625
Cross Junction NeighborhoodEstimated payment $2,936/month
Highlights
- Hot Property
- Beach
- Home fronts navigable water
- 1 Dock Slip
- Pier or Dock
- Private Beach
About This Home
Spectacular Lake Home with Multiple Decks & Panoramic Views! Enjoy breathtaking wide-body lake views from all three levels of this stunning lake home in gated Lake Holiday! This coastal inspired contemporary features two expansive front decks including the primary suite private decks- where every sunset feels like a getaway. Designed for both entertaining and everyday comfort, the open floor plan showcases soaring circular tray ceilings in kitchen, elegant columns, and rich Brazilian cherry hardwood floors throughout the main level. The gourmet kitchen is beautifully appointed with newer stainless steel appliances, double ovens, a gas range, and generous prep space — ideal for hosting gatherings while enjoying the water views. Boasting over 3,200 finished square feet, this home offers exceptional flexibility. The fully finished lower level includes a third full bath and spacious flex area perfect for a media room, TV lounge, guest retreat, recreation space, or home office. Upstairs, brand new carpet enhances the upper level. The oversized primary suite features vaulted ceilings, double doors, large walk in closet, and access to an expansive private deck overlooking the lake — creating a true retreat experience. Bedrooms two and three are connected by a convenient Jack and Jill bath, offering both comfort and functionality. Multiple outdoor living spaces, generous interior layout, and incredible scenery make this property ideal for full-time living or the perfect lake getaway. Recent updates include: updated decking, whole house freshly painted, brand new upper-level carpet, newer HVACS, updated lighting, and newer kitchen appliances and washer and dryer. Beyond your doorstep, the Lake Holiday community offers an unparalleled lifestyle. Residents enjoy access to a magnificent 240-acre lake, ideal for boating, water sports, kayaking, canoeing, paddleboarding, swimming, and fishing. Also offering multiple sandy beaches, a large clubhouse with fitness center, various sports courts, hiking trails, dog park, and a marina with boat slips. Experience the perfect blend of modern comfort and resort-style living in this fantastic Lake Holiday home in a 24/7 gated community! Don’t miss the floor plan uploaded to photos.
Listing Agent
(540) 662-0323 lcox.realtor@gmail.com Colony Realty Brokerage Phone: 5406620323 Listed on: 02/07/2026
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
- Private Beach
- Property is in very good condition
- Property is zoned R5
HOA Fees
- $156 Monthly HOA Fees
Parking
- 2 Car Direct Access Garage
- 4 Driveway Spaces
- Oversized Parking
- Front Facing Garage
- Off-Street Parking
Home Design
- Colonial Architecture
- Coastal Architecture
- Contemporary Architecture
- Georgian Architecture
- Shingle Roof
- Vinyl Siding
- Concrete Perimeter Foundation
Interior Spaces
- Property has 3 Levels
- Chair Railings
- Crown Molding
- Vaulted Ceiling
- Gas Fireplace
- Window Treatments
- Family Room
- Living Room
- Dining Room
- Recreation Room
- Lake Views
Kitchen
- Eat-In Kitchen
- Built-In Double Oven
- Cooktop
- Microwave
- Dishwasher
- Stainless Steel Appliances
- Disposal
Flooring
- Wood
- Carpet
- Vinyl
Bedrooms and Bathrooms
- 3 Bedrooms
- En-Suite Bathroom
Laundry
- Laundry on lower level
- Front Loading Dryer
- Front Loading Washer
Finished Basement
- Walk-Out Basement
- Connecting Stairway
- Interior and Exterior Basement Entry
- Garage Access
- Basement Windows
Home Security
- Home Security System
- Security Gate
- Fire and Smoke Detector
Outdoor Features
- Canoe or Kayak Water Access
- Property is near a lake
- Waterski or Wakeboard
- Swimming Allowed
- Limit On Boat Length
- 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
- Propane
- Electric Water Heater
Listing and Financial Details
- 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
- Fishing Allowed
- 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 |
|---|---|---|---|---|---|
| 02/07/2026 02/07/26 | For Sale | $499,900 | 0.0% | $155 / Sq Ft | |
| 02/07/2026 02/07/26 | Price Changed | $499,900 | +1.0% | $155 / Sq Ft | |
| 02/02/2026 02/02/26 | Price Changed | $495,000 | +83.3% | $154 / 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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