109 Waterside Ln

Cross Junction, VA 22625

$495,000
Last Sold Price
3
Beds
3,223 Sq. Ft.
$154 / Sq. Ft.
3,223
Sq. Ft.
$154
per Sq. Ft.
Get preapproved with Rocket Mortgage1
Closed 3/20/26
Closed 3/20/26
a roof deck with table and chairs and potted plants
LAKE VIEWS from wrap around deck!
a view of empty room with wooden floor
a view of a hallway with wooden floor and entryway
Foyer to front door
Main level half bath off foyer
a view of empty room with wooden floor and kitchen
Beautiful gas fireplace
Sliding doors to rear yard
Living room with fireplace and doors to rear yard
a kitchen with white cabinets and stainless steel appliances
a kitchen with stainless steel appliances granite countertop a stove and a microwave
Corner sink with views
Tray ceilings and recessed lighting
a kitchen with stainless steel appliances granite countertop a stove and a refrigerator
Tons of cabinetry
Kitchen islands are movable and convey
a view of a livingroom with a fireplace wooden floor and windows
Living room
a view of empty room with wooden floor and fireplace
Living room leading to flex space
This flex space can be office or formal dining rm
Flex space going to covered main level deck
Main level deck overlooks lake
Main level entrance
Half bath on main
Stairs leading to upper leavel
a view of a hallway
a view of a hallway with chandelier
a vase of flowers sitting on a table
Double door entry way to primary suite
a view of an empty room with a window
a view of a big room with windows and chandelier fan
a view of an empty room with a window
Door from primary to its own private deck
a view of a wooden fence
Upper deck from primary bedroom
Upper deck
En suite primary bath
a bathroom with a bathtub and a shower
Relaxing primary tub
a bathroom with a granite countertop sink a toilet a mirror and shower
2nd bedroom
2nd bedroom
a bathroom with a tub a sink and mirror
3rd bedroom
a view of an empty room and closet area
Lower level foyer
Lower level foyer
a view of a hallway with washer and dryer
Multi media room on lower level
Great flex space in basement
a bathroom with a toilet a sink and a bathtub
a view of a sky from a lake
Lake views
Paved driveway
a view of entrance door of the house
Lower level has its own entrance
Rear yard
a front view of a house with a yard
Side view of yard
Front door main level entrance
Front door main level entrance
Sunset views
a view of lake and mountain
a view of a city
a front view of a house with a yard
Beautiful Lake Holiday
a view of lake with mountain
a view of a house with swimming pool and sitting area
a view of a roof deck with wooden fence and floor
a sign on the side of a road
a view of a city
a view of a lake with houses
a view of a lake with a tree in the background
a view of a lake with a house
Spectacular 4 seasons with lake views
a view of a yard with wooden fence
Tennis courts
Basketball courts
a swimming pool with an outdoor space and seating
Quaint picnic area
Playground
Come enjoy everything Lake Holiday has to offer!
a picture of a bench in a white building
a picture of floor plan

Description

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...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.
  1. Listed by Lisa M Cox • Colony Realty
    P: (540)-560-5711 lcox.realtor@gmail.com

Property Details for 109 Waterside Lane

Tax ID Number
18-A05-5B-3-1208
Ownership
Fee Simple
Condo Coop Association
No
HOA
Yes
Structure Type
Detached
Style
Colonial, Coastal, Georgian, Contemporary
Levels/Stories
3
Waterfront
No
LISTING UPDATED: 03/20/2026 04:51 PM

Property Details for 109 Waterside Lane

StatusClosed
MLS #VAFV2039256
Days on Market13
Taxes$2,147 / year
HOA Fees$156 / month
Condo/Co-op Fees-
Property TypeSingle Family
MLS TypeResidential / Fee Simple
Year Built2004
Lot Size0.24 AC / 10,528 SF
CountyFrederick County, VA
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Location

Listing Courtesy of Colony Realty

Sold By Touchstone Realty, LLC

Add your commute

Building Information for 109 Waterside Lane

Stories3Year Built2004Building Size-Lot Size0.24 AC / 10,528 SF

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$2,802 per month

30 year fixed, 6.36% Interest

Principal and Interest

$2,467

Property Taxes

$179

HOA Dues

$156

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Property Information for 109 Waterside Lane

Location
Location
  • In City Limits: No
  • School District Name: FREDERICK COUNTY PUBLIC SCHOOLS
  • School District County ID: 121140907577
  • SchoolDistrictSource: 3rd Party
  • Elementary School: GAINESBORO (FREDERICK VA)
  • ElementarySchoolSource: Listing Agent
  • Middle Or Junior School: FREDERICK COUNTY (FREDERICK VA)
  • MiddleSchoolSource: 3rd Party
  • High School: JAMES WOOD (FREDERICK VA)
  • HighSchoolSource: 3rd Party
  • County: FREDERICK
Waterfront / Water Access
Waterfront / Water Access
  • Water View: Yes
  • Water Access: Yes
  • Water Access Features: Boat - Length Limit, Boat - Powered, Canoe/Kayak, Fishing Allowed, Private Beach, Swimming Allowed, Waterski/Wakeboard
  • Water Oriented: Yes
  • Navigable Water: Yes
  • Tidal Water: No
  • Water Body Name: Lake Holiday
  • Water Body Type: Lake
  • Docks Count: 1
  • Dock Type and Features: None
  • Dock/Slip Conveys Y/N: true
  • Dock/Slip Conveyance: Available by Lease
  • Slips Count: 1
  • Boats Power Count: 1
  • Boats Nonpower Count: 3-5
  • Distance To Body Of Water: 1.00
  • Distance To Body Of Water Units: Blocks
Association / Community Info
Association / Community Info
  • HOA Name: LAKE HOLIDAY COUNTRY CLUB
  • HOA Condo Coop Fee Includes: Common Area Maintenance, Management, Pier/Dock Maintenance, Reserve Funds, Security Gate
  • HOA Condo Coop Amenities: Baseball Field, Basketball Courts, Beach, Club House, Dog Park, Exercise Room, Gated Community, Jog/Walk Path, Lake, Meeting Room, Party Room, Picnic Area, Pier/Dock, Security, Tennis Courts, Tot Lots/Playground, Volleyball Courts, Water/Lake Privileges
  • Senior Community: No
  • Capital Contribution Amount: $2,000
  • Type of Condo: Home Owner Association
Taxes and Assessment
Taxes and Assessment
  • Tax Year: 2025
  • Tax Assessed Value: $447,300
  • Year Assessed: 2025
  • County Tax: $2,147
  • Improvement Assessed Value: $389,300
  • City Town Tax: $0
  • Land Assessed Value: $58,000
  • Clean Green Assessed: No
  • Land Use Code: 100R
  • Zoning: R5
  • Tax Lot: 1208
  • School Tax: $0
  • Automatically Update Tax Values Y/N: No
Lease Information
Lease Information
  • Pets Allowed: Yes
  • Pet Restrictions: No Pet Restrictions
Rooms
Main
  • # Bathrooms Count Main Level: 1
  • # Bathrooms Half Main Level: 1
All Upper Levels
  • # Bedrooms Count All Upper Levels: 3
  • # Bathrooms Count All Upper Levels: 2
  • # Bathrooms Full All Upper Levels: 2
Upper Level 1
  • # Bedrooms Count Upper Level: 3
  • # Bathrooms Count Upper Level: 2
  • # Bathrooms Full Upper Level: 2
All Lower Levels
  • # Bathrooms All Lower Levels: 1
  • # Bathrooms Full All Lower Levels: 1
Lower Level 1
  • # Bathrooms Lower Level: 1
  • # Bathrooms Full Lower Level: 1
Rooms
  • Room List: Living Room, Dining Room, Primary Bedroom, Bedroom 2, Bedroom 3, Kitchen, Family Room, Recreation Room, Primary Bathroom, Full Bath, Half Bath
  • Stories: Lower 1, Main, Upper 1
Rooms Information
Room 1
  • Room Type: Primary Bedroom
  • Room Length: 22.0
  • Room Width: 16.0
  • Room Level: Upper 1
  • Room Exists: Yes
  • Room Features: Attached Bathroom, Balcony Access, Cathedral/Vaulted Ceiling, Ceiling Fan(s), Flooring - Carpet, Walk-In Closet(s)
Room 2
  • Room Type: Primary Bathroom
  • Room Length: 11.0
  • Room Width: 9.0
  • Room Level: Upper 1
  • Room Exists: Yes
  • Room Features: Bathroom - Walk-In Shower, Bathroom - Soaking Tub, Cathedral/Vaulted Ceiling, Flooring - Vinyl, Lighting - Recessed
Room 3
  • Room Type: Bedroom 2
  • Room Length: 11.0
  • Room Width: 10.0
  • Room Level: Upper 1
  • Room Exists: Yes
  • Room Features: Flooring - Carpet
Room 4
  • Room Type: Bedroom 3
  • Room Length: 11.0
  • Room Width: 15.0
  • Room Level: Upper 1
  • Room Exists: Yes
  • Room Features: Flooring - Carpet, Walk-In Closet(s)
Room 5
  • Room Type: Full Bath
  • Room Length: 7.0
  • Room Width: 12.0
  • Room Level: Upper 1
  • Room Exists: Yes
  • Room Features: Jack and Jill Bathroom, Flooring - Vinyl, Bathroom - Tub Shower
Room 6
  • Room Type: Full Bath
  • Room Length: 11.0
  • Room Width: 6.0
  • Room Level: Lower 1
  • Room Exists: Yes
  • Room Features: Bathroom - Tub Shower, Flooring - Ceramic Tile
Room 7
  • Room Type: Kitchen
  • Room Length: 17.0
  • Room Width: 15.0
  • Room Level: Main
  • Room Exists: Yes
  • Room Features: Flooring - HardWood, Kitchen - Eat-in, Kitchen - Propane Cooking, Lighting - LED, Island, Countertop(s) - Solid Surface
Room 8
  • Room Type: Dining Room
  • Room Length: 20.0
  • Room Width: 11.0
  • Room Level: Main
  • Room Exists: Yes
  • Room Features: Flooring - HardWood
Room 9
  • Room Type: Living Room
  • Room Length: 19.0
  • Room Width: 12.0
  • Room Level: Main
  • Room Exists: Yes
  • Room Features: Chair Rail, Flooring - HardWood, Crown Molding
Room 10
  • Room Type: Half Bath
  • Room Length: 5.0
  • Room Width: 6.0
  • Room Level: Main
  • Room Exists: Yes
  • Room Features: Flooring - HardWood
Room 11
  • Room Type: Family Room
  • Room Length: 15.0
  • Room Width: 15.0
  • Room Level: Main
  • Room Exists: Yes
  • Room Features: Fireplace - Gas, Flooring - HardWood
Room 12
  • Room Type: Recreation Room
  • Room Length: 27.0
  • Room Width: 13.0
  • Room Level: Lower 1
  • Room Exists: Yes
  • Room Features: Flooring - Carpet, Lighting - Recessed
Building Info
Building Info
  • Total Finished SQFT: 3,223.00
  • Total Finished SQFT Source: Estimated
  • Tax Total Finished SQFT: 3,164.00
  • Total SQFT: 3,223.00
  • Total SQFT Source: Estimated
  • Construction Materials: Vinyl Siding
  • Roof: Shingle
  • Ext Main Mid-res: http://bright-media02.prd.brightmls.com/bright/images/0000/8045/1223/8568/804512238568_512_384_WM_T9MiIxKigBEkv-Ny.jpg
  • Flooring Type: Hardwood, Carpet, Vinyl
  • Basement Type: Fully Finished, Connecting Stairway, Interior Access, Walkout Level, Daylight, Partial, Front Entrance, Garage Access, Outside Entrance, Windows
  • Foundation Details: Concrete Perimeter
  • Room and Floor: Bathrooms Half-Main Level-1, Bedrooms-Upper Level 1-1, Bedrooms-Upper Level 1-2, Bedrooms-Upper Level 1-3, Bathrooms Full-Upper Level 1-1, Bathrooms Full-Upper Level 1-2, Bathrooms Full-Lower Level 1-1
  • # Bathrooms Full: 3
  • # Bathrooms Half: 1
  • Other Structure: Above Grade, Below Grade
Lot / Land Information
Lot / Land Information
  • Lot Size Source: Estimated
  • Location Type: Lake
  • Parcel ID: 18767678
Parking
Parking
  • Type Of Parking: Driveway, Attached Garage, Off Street
  • Num of Attached Garage Spaces: 2
  • Driveway - # of Spaces: 4
  • Total Garage Spaces: 2
  • Parking Features: Paved Driveway
  • Garage Features: Garage - Front Entry, Inside Access, Oversized
Interior Features
Interior Features
  • Interior Features: Dining Area, Kitchen - Table Space, Primary Bath(s), Window Treatments, Wood Floors, Chair Railings, Crown Moldings
  • Fireplace: Yes
  • Fireplaces Count: 1
  • Fireplace Features: Gas/Propane
  • Appliances: Dishwasher, Cooktop, Disposal, Microwave, Oven - Double, Oven - Wall, Refrigerator, Stainless Steel Appliances, Washer - Front Loading, Dryer - Front Loading
  • Accessibility Features: None
  • Security Features: Security Gate, Security System, Smoke Detector
  • Laundry Type: Lower Floor, Hookup
Exterior Features
Exterior Features
  • Exterior Features: Exterior Lighting, Private Beach
  • Outdoor Living Structures: Deck(s)
  • Pool: No Pool
  • Community Slips Count: 110
Utilities
Utilities
  • Utilities: Propane, Electric Available
  • Heating: Yes
  • Cooling Type: Central A/C
  • Cooling Fuel: Electric
  • Heating Type: Heat Pump(s)
  • Heating Fuel: Electric
  • Hot Water: Electric
  • Water Source: Public
  • Sewer Septic: Public Sewer
  • Internet Services: Cable
Confidential Data
Listing Office
  • List Agent AOR: Blue Ridge Association of REALTORS
  • List Agent URL: LisaCoxHomes.com

Property History for 109 Waterside Lane

DateEvent & SourcePriceAppreciation
Mar 20, 2026

Closed

BRIGHT #VAFV2039256

$495,000—
Mar 18, 2026

Closed (Public Record)

Public Record #1933345171

$495,000

+5.3% / yr

Feb 19, 2026

Pending

BRIGHT #VAFV2039256

—
DateEvent & SourcePrice
03/20/2026

Closed

BRIGHT #VAFV2039256

$495,000
03/18/2026

Closed (Public Record)

Public Record #1933345171

$495,000

+5.3% / yr

02/19/2026

Pending

BRIGHT #VAFV2039256

—

For completeness, we often displays two records for one sale: the MLS record and the public record.

Public Records for 109 Waterside Lane

Taxable ValueLand$58,000Additions$389,300Total$447,300
Tax Record2024$1,243 ($104 / month)
Home Facts
Beds3Baths3.5Total Finished SqFt2,344 SqFtAbove Grade Finished SqFt2,344 SqFtStories2StyleSingle Family ResidenceYear Built2004Year Renovated2017ZoningR5CountyFREDERICKAPN18A055B-3-1208Fireplace TypeHas Fireplace

Schools near 109 Waterside Lane

This home is within Frederick County Public Schools.
Rating
School
Type
Grades
Distance
Indian Hollow Elementary School
Public - PK to 5
Frederick County Middle School
Public - 6 to 8
James Wood High School
Public - 9 to 12
Rating
School
Distance
Indian Hollow Elementary School
PublicPK to 5

Frederick County Middle School
Public6 to 8

James Wood High School
Public9 to 12

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties make no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of Colony Realty

© 2026 Bright MLS. All rights reserved. All information is deemed reliable, but accuracy is not guaranteed. Listing information is from various brokers who participate in IDX and not all listings may be visible on the site. The property information being provided is for the consumer’s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated on 03/20/2026 04:51 PM