Anna Fox
NextHome Realty Select
(540) 502-4756
128 Total Sales
3 in Cross Junction
$35K - $350K Price Range
109 Waterside Ln Cross Junction, VA 22625
Cross Junction NeighborhoodEstimated Value: $497,569
3
Beds
3.5
Baths
3,223
Sq Ft
$154/Sq Ft
Est. Value
Highlights
- 1 Dock Slip
- Pier or Dock
- Private Beach
- Beach
- Home fronts navigable water
- Canoe or Kayak Water Access
About This Home
As of March 2026Spectacular 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.
Last Agent to Sell the Property
(540) 662-0323 lcox.realtor@gmail.com Colony Realty Brokerage Phone: 5406620323 Listed on: 02/07/2026
Last Buyer's Agent
(304) 260-9380 venomgts10@gmail.com Touchstone Realty, LLC License #WVS190300553
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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
Ownership History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Feb 7, 2026
Closed on
Mar 18, 2026
Sold by
Saling Kyra and Kyra Saling-Shepherd
Bought by
Seller's Agent
Lisa Cox
Colony Realty
Buyer's Agent
Colin Hayden
Touchstone Realty, LLC
List Price
$499,900
Sold Price
$495,000
Premium/Discount to List
-$4,900
-0.98%
Views
92
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$2,569
Avg. Annual Appreciation
1.06%
Original Mortgage
$495,000
Outstanding Balance
$492,563
Interest Rate
6.11%
Mortgage Type
VA
Estimated Equity
$5,006
Purchase Details
Listed on
May 15, 2014
Closed on
Jun 4, 2014
Sold by
Massie Nathan T
Bought by
Saling Kyra D
Seller's Agent
Lisa Cox
Colony Realty
Buyer's Agent
Lisa Cox
Colony Realty
List Price
$280,000
Sold Price
$270,000
Premium/Discount to List
-$10,000
-3.57%
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
5.28%
Original Mortgage
$243,000
Interest Rate
4.33%
Mortgage Type
New Conventional
Purchase Details
Listed on
Dec 13, 2011
Closed on
Apr 19, 2012
Sold by
Bank Of America Na
Bought by
Massie Nathan T
Seller's Agent
Nelvia Chambers
A New Century Realty
Buyer's Agent
Natalie Langford
ERA Oakcrest Realty, Inc.
List Price
$189,900
Sold Price
$182,188
Premium/Discount to List
-$7,713
-4.06%
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
20.71%
Original Mortgage
$182,187
Interest Rate
3.91%
Mortgage Type
VA
Purchase Details
Closed on
Dec 19, 2011
Sold by
Equity Trustees Llc
Bought by
Bank Of America Na
Purchase Details
Closed on
Feb 16, 2005
Sold by
Eagle Crest Homes L L C
Bought by
Metcalf John
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$32,800
Interest Rate
5.78%
Mortgage Type
Construction
Purchase Details
Closed on
Jul 14, 2004
Sold by
Lake Holiday L L C
Bought by
Eagle Crest Homes L L C
Home Values in the Area
Average Home Value in this Area
Agents Specializing in Cross Junction, VA
-
Anna Fox
-
Mr. Sean Fernando
Mr. Sean Fernando
KW Metro Center
(240) 806-1113
34 Total Sales
1 in Cross Junction
$325,000 Price
-
Carlos Soares
Carlos Soares
Samson Properties
(347) 897-1359
62 Total Sales
2 in Cross Junction
$270K - $300K Price Range
-
Rhonda Shade
Rhonda Shade
ERA Oakcrest Realty, Inc.
(540) 546-5661
114 Total Sales
1 in Cross Junction
$618,875 Price
-
Mikiala Whitacre
Mikiala Whitacre
ERA Oakcrest Realty, Inc.
(540) 546-6764
27 Total Sales
1 in Cross Junction
$349,900 Price
-
Kerry Wysong
Kerry Wysong
Long & Foster Real Estate, Inc.
(866) 615-9037
29 Total Sales
2 in Cross Junction
$127K - $324K Price Range
Purchase History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Buyer | Sale Price | Title Company |
|---|---|---|---|
| $495,000 | Old Republic National Title In | ||
| Saling Kyra D | $270,000 | -- | |
| Massie Nathan T | $182,187 | -- | |
| Bank Of America Na | $161,500 | -- | |
| Metcalf John | $328,324 | -- | |
| Eagle Crest Homes L L C | $159,120 | -- |
Source: Public Records
Mortgage History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Status | Borrower | Loan Amount |
|---|---|---|---|
| Open | $495,000 | ||
| Previous Owner | Saling-Shepherd Kyra Dower | $50,000 | |
| Previous Owner | Saling Kyra D | $243,000 | |
| Previous Owner | Massie Nathan T | $184,900 | |
| Previous Owner | Massie Nathan T | $182,187 | |
| Previous Owner | Metcalf John D | $90,000 | |
| Previous Owner | Metcalf John | $32,800 |
Source: Public Records
Property History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 03/20/2026 03/20/26 | Sold | $495,000 | -1.0% | $154 / Sq Ft |
| 02/19/2026 02/19/26 | Pending | -- | -- | -- |
| 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 | -- | $154 / Sq Ft |
Source: Bright MLS
Tax History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| 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 |
|---|---|---|---|---|
| 2026 | $2,371 | $447,300 | $58,000 | $389,300 |
| 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 |
Source: Public Records
Agents Affiliated with this Home
-
Lisa Cox
Seller's Agent in 2026
Lisa Cox
Colony Realty
(540) 560-5711
135 in this area
231 Total Sales
-
Colin Hayden
Buyer's Agent in 2026
Colin Hayden
Touchstone Realty, LLC
(304) 671-6954
2 in this area
156 Total Sales
-
Nelvia Chambers
Seller's Agent in 2012
Nelvia Chambers
A New Century Realty
(540) 539-9346
2 Total Sales
-
Natalie Langford
Buyer's Agent in 2012
Natalie Langford
ERA Oakcrest Realty, Inc.
(540) 303-2216
1 in this area
83 Total Sales
Map
Source: Bright MLS
MLS Number: VAFV2039256
APN: 18A055B-3-1208
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
The data relating to real estate for sale on this website appears in part through the BRIGHT Internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms, and is provided by BRIGHT through a licensing agreement.
Listing information is from various brokers who participate in the Bright MLS IDX program and not all listings may be visible on the site.
The property information being provided on or through the website is for the personal, non-commercial use of consumers and such information may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Some properties which appear for sale on the website may no longer be available because they are for instance, under contract, sold or are no longer being offered for sale.
Property information displayed is deemed reliable but is not guaranteed.
Copyright 2026 Bright MLS, Inc.
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