Cross Junction Homes under $400,000

Cross Junction Homes under $400,000

Welcome to Cross Junction, Virginia – a hidden gem nestled in the heart of Frederick County. This charming community offers a serene escape from the hustle and bustle of city life, while still being conveniently located just a short drive from Winchester and other nearby urban centers. With its picturesque landscapes, friendly atmosphere, and strong sense of community, Cross Junction is the perfect place to call home.

For homebuyers seeking affordability without sacrificing quality, Cross Junction boasts a variety of beautiful homes priced under $400,000. Here, you can find an array of options, from cozy single-family residences to spacious townhomes, all designed to meet the needs of families, retirees, and everyone in between. Many of these homes feature modern amenities, open floor plans, and generous yards, making them ideal for those who appreciate both comfort and style.

In addition to its appealing housing market, Cross Junction is surrounded by stunning natural beauty. Residents enjoy easy access to outdoor activities such as hiking, fishing, and picnicking at nearby parks and lakes. The community is also known for its friendly neighbors and local events that foster a tight-knit atmosphere.

Whether you're a first-time homebuyer or looking to downsize, Cross Junction offers an exceptional quality of life at an unbeatable price. Discover your dream home in this idyllic Virginia community, where affordability meets charm, and start building your future today!

Newest Cross Junction Homes under $400,000

113 Greenwood Ct, Cross Junction
$399,900
3 Beds ⋅ 3 Baths
Fall in love with the charm, comfort, and lifestyle of Lake Holiday! Nestled on a short, established street near the main gate, this inviting cedar-sided Cape Cod pairs seasonal lake views and a peaceful wooded setting with features you’ll love coming home to. Enjoy morning coffee in the heated all-season sunroom, relax on the wraparound front porch, or unwind on the expansive 40’ x 12’ rear deck. A circular paved driveway, attached two-car garage, and parking for over 10 vehicles provide exceptional convenience for everyday living and visiting guests. Inside, the spacious living room showcases gorgeous hardwood flooring, while the eat-in kitchen features newer stainless steel appliances, abundant cabinetry, and two pantries. The main-level primary suite offers a private en-suite bath and large walk-in closet. Upstairs, two additional generously sized bedrooms share a full hall bath, with closets and storage throughout all three levels. The walkout basement adds even more versatility with an impressive 24’ x 19’ family room with built-in shelving, a cozy gas fireplace, and a convenient half bath—ideal for movie nights, hobbies, or relaxing evenings at home. Beyond your doorstep, enjoy the Lake Holiday lifestyle with community amenities that offer opportunities for boating, swimming, fishing, sports courts and dog parks. Whether you’re spending a summer day at the lake, taking advantage of the clubhouse and fitness room, or simply enjoying the peaceful surroundings of walking trails, this well-maintained home offers a wonderful place to put down roots and make lasting memories.

113 Greenwood Ct, Cross Junction

Listing courtesy of Colony Realty. Contact:

324 Overlook Dr, Cross Junction
$369,900
3 Beds ⋅ 3 Baths
**PRICED TO SELL UNDER RECENT APPRAISAL!** Discover exceptional space, comfort, and value in this beautifully maintained 2,600 finished sq. ft. Colonial, nestled within a gated 240-acre private lake community. From the moment you arrive, the welcoming front porch sets the tone for relaxed lake-community living. The rear deck offers additional outdoor space for entertaining, morning coffee, or peaceful evenings overlooking the property. Inside, the eat-in kitchen features updated countertops, stainless-steel appliances, and newer LVP flooring that continues throughout the main living areas. The main level also offers a separate dining room, living room with a cozy pellet stove, and a spacious family room—providing plenty of space for everyday living and entertaining. The fully finished walkout basement significantly expands the living space and offers versatile room for recreation, hobbies, guests, a home office, or relaxation. A charming stone fireplace adds warmth and character to this lower-level retreat. And the location within the community is hard to beat! You’ll be just a short walk from the main beach, clubhouse, and sports courts. Enjoy an incredible array of private community amenities, including beaches, tennis, basketball and volleyball courts, fishing, swimming, and boating. Bring your boat and embrace the lake lifestyle! With abundant living space, thoughtful updates, desirable community amenities, and a convenient location near the heart of the community, this home offers the perfect blend of space, comfort, recreation, and value. Priced under recent appraisal value.

324 Overlook Dr, Cross Junction

Listing courtesy of Colony Realty. Contact:

409 Sunset Cir, Cross Junction
$319,900
3 Beds ⋅ 2 Baths
***Ask about a temporary 1-year interest rate buydown! Must use preferred lender. Call for details and eligibility requirements.*** Welcome to 409 Sunset Circle in Lake Holiday Estates! This well-maintained 3-bedroom, 2-bath split-foyer sits on a great corner lot and is just minutes from the beach and clubhouse. The main level features a spacious living room with hardwood floors and a wood-burning fireplace, along with a dining area and kitchen with hardwood flooring. The kitchen was renovated in 2015 and opens to a large deck, creating an ideal space for grilling, entertaining, or simply enjoying the outdoors. All three bedrooms and the hall full bathroom have been freshly painted and feature brand-new flooring. The lower level offers a large open area with a propane stove and dry bar, providing flexible space for a family room, game room, home office, or whatever fits your needs. A storage shed provides additional space for outdoor equipment and belongings. Additional improvements include upgraded/replaced windows in 2017, HVAC replaced in 2021, and a new water softener. Lake Holiday residents enjoy an impressive array of amenities, including a 240-acre deep-water lake, two sandy beaches, a fishing pier, clubhouse with fitness room, playgrounds, dog parks, walking trails, 24/7 gated security, and available high-speed internet. Bring your boat, enjoy the lake, and take advantage of everything Lake Holiday has to offer!

409 Sunset Cir, Cross Junction

Listing courtesy of Colony Realty. Contact:

1098 Reynolds Rd, Cross Junction
$305,000
1 Beds ⋅ 1 Baths
This turnkey short-term rental opportunity generated over $50,000 in revenue over the past year with a strong 71% occupancy rate, offering immediate income potential in the heart of the Shenandoah Valley. Thoughtfully renovated in 2022 with big-ticket infrastructure updates—including a new septic system, new well, and a private hot tub—this fully furnished historic schoolhouse pairs nostalgic charm with modern peace of mind. Designed as an enchanting, romantic getaway, the retreat sits on 2 private acres featuring breathtaking panoramic mountain views. Guests will love soaking under the stars in the hot tub, gathering around the outdoor fire pit, or unwinding in the cozy, character-filled living space. Conveniently located near Winchester and surrounded by scenic wineries, hiking trails, and outdoor adventures, this low-maintenance property is tailored for guest satisfaction and high-performing returns. Gross Income = $50,175.40, Total Expenses = $8,561.64 Net Income = $41,613.76 (9/1/25-8/31/26).

1098 Reynolds Rd, Cross Junction

Listing courtesy of EXP Realty, LLC. Contact:

216 Sunset Cir, Cross Junction
$380,000
4 Beds ⋅ 3 Baths
MAJOR PRICE IMPROVEMENT ... your lake home is within reach!!! Welcome to your dream retreat on Sunset Circle! Nestled within an exclusive gated community, this one of a kind 1,974 sq ft, 4-bedroom, 2.5-bathroom home offers the perfect blend of comfort and resort-style living. The crown jewel of this property is the expansive, double-decker front deck providing panoramic views of a pristine, 240-acre lake when the leaves have fallen and so much tree canopy in Summer that you don’t even need to turn on the AC! Start your mornings with coffee on any one of the multiple opportunities on the decks! Watch the deer, squirrel, and rabbits play in your low maintenance front yard. The Home: Step inside to find a spacious, sun-filled floor plan designed for effortless entertaining and everyday comfort. Boasting 4 generous bedrooms and 2.5 baths, this layout is ideal for growing families or hosting weekend guests. The seamless flow leads right out to your double deck, completely blurring the line between indoor and outdoor lakeside living. TWO fireplaces offer warm cozy options when it’s cold outside and double sliding doors on each side still give you the outdoor views! Resort-Style Community Amenities: Living here feels like a permanent vacation. The community is meticulously maintained with onsite management and maintenance crews, plus a convenient trash facility for convenient waste disposal which even includes a yard-debris dumpster! Outdoor enthusiasts will fall in love with the recreational options!

216 Sunset Cir, Cross Junction

Listing courtesy of RE/MAX Roots. Contact:

107 Sunset Cir, Cross Junction
$400,000
3 Beds ⋅ 2 Baths
Lake living meets easy one-level living in this spacious Lake Holiday rancher! Forget the small rooms and closed-off spaces you might expect from a traditional ranch—this home welcomes you with high ceilings, an open layout, generous bedrooms, and room to grow. Start your mornings on the inviting front porch surrounded by beautiful landscaping, or settle in and watch a summer storm roll through while wildlife wanders the neighborhood. Inside, the kitchen features 36-inch cabinets and opens to a light-filled family room with a cozy gas fireplace. Large windows bring in plenty of natural light while the wooded lot provides welcome shade and privacy. Step onto the back deck and enjoy a peaceful yard with just the right amount of outdoor space—private enough to relax without spending every weekend doing yard work. The split-bedroom floor plan gives the primary suite its own retreat, complete with a tray ceiling, spacious en-suite bath with soaking tub and separate shower, plus an enormous walk-in closet. Two additional bedrooms are tucked away on the opposite side of the home. And then there’s the basement! High ceilings, extra-wide stairs, a roughed-in bath, radon system, and an incredible amount of unfinished space give you the opportunity to nearly double your living area. Imagine a rec room, home theater, gym, guest suite, workshop—or all of the above. Best of all, you’re in Lake Holiday, where everyday life can feel like a getaway. Enjoy three beaches, walking trails, sports courts, a dog park, 18-hole disc golf course, clubhouse, marina, and more. Come home to Lake Holiday—and vacation where you live!

107 Sunset Cir, Cross Junction

Listing courtesy of Samson Properties. Contact:

1226 Lakeview Dr, Cross Junction
$345,000
5 Beds ⋅ 3 Baths
Need a lake house with room for everyone? With the option of an in-law suite? This five-bedroom, three-bath home gives you the space to spread out, entertain, and enjoy everything Lake Holiday has to offer—all just minutes from Beach 1! With over 1,900 finished square feet, the traditional split-foyer layout offers flexibility for everyday living, weekend guests, or a full house at the lake. Upstairs, the updated kitchen features Corian countertops and easy access to the deck, where meals come with a peaceful view of nature. Three bedrooms are located on the main level, including the primary suite with its own private bath. Head downstairs and you'll find even more room to gather, with outside access directly from the parking area! Newer flooring flows throughout the lower level, which includes two additional bedrooms, a full bath, and a spacious gathering room anchored by a pellet stove for cozy winter evenings. A wet bar makes this space ready for movie nights, game days, and entertaining friends after a day on the lake, or a completely separate living space. Outside, the fenced yard provides space to play and relax, while multiple sheds offer convenient extra storage. Living at Lake Holiday means there's always something to do. Enjoy three beaches, boating, an 18-hole disc golf course, dog park, sports courts, wooded walking trails, clubhouse, and more—all within this gated lake community. Buy the house, invite the friends, and start enjoying lake life. Come vacation where you live!

1226 Lakeview Dr, Cross Junction

Listing courtesy of Samson Properties. Contact:

128 Dogwood Dr, Cross Junction
$385,000
4 Beds ⋅ 4 Baths
EXCEPTIONAL VALUE IN A PRIVATE, GATED LAKE COMMUNITY. BEAUTIFULLY UPDATED 4-BEDROOM, 4-BATH CEDAR CAPE COD for $385,000. Also available with an adjoining building lot for a total of $415,000. In Lake Holiday near Winchester with a spectacular 240-acre deep-water lake, mountain views and beaches. Enjoy fishing, boating, swimming, water skiing, a clubhouse with an exercise room, walking trails, dog park, playground and picnic areas, and tennis, basketball and volleyball courts. Ideal for full-time living or weekend getaways. About 90 minutes from the beltway. An easy drive to historic downtown Winchester, Berkeley Springs and Cacapon State Park on Rt. 522. Luxury vinyl floors that resemble hardwood and tile floors. Spacious living room. Well-appointed kitchen with granite countertops, maple cabinets, newer stainless appliances, tile back splash and an adjoining dining area. Enjoy a seasonal view of the lake from the large back deck off the kitchen. There's also a deck below off the finished walkout basement. The house's lower level offers the potential for an in-law suite: A generously sized family room with a gas log fireplace and an impressive wet bar, a bedroom and a full bath. Architectural shingle roof approximately 2 years old. Above-ground 120-gallon propane tank that supplies the gas log is owned by the seller and conveys. Possibilities abound with the adjoining lot. Build another dream house or perhaps a smaller home for a family member, or a garage. Combined size of the two properties is .57 of an acre. The properties also are available separately with the house at 128 Dogwood for $385,000 (Lot 118, Tax Map 18A04-4A-12- 118) and the lot at 130 Dogwood for $35,000 (Lot 117, Tax Map Tax 18A04-4A-12- 117 ). Buyers responsible at settlement for the $2,000 capitalization fee for each property. Monthly HOA fees are $156 for the house and $144 for the lot next door. Water/sewer tap fee to build on the lot currently totals $5,000 and the water/sewer availability fee for the lot is $20 per month until a house is built. Gated community - buyers must be accompanied by their agents. Traffic rules strictly enforced: 25 mph speed limit and complete stop at stop signs. Airbnb and short-term rentals (less than 6 months) are not permitted. Basement bedroom's window may not meet full egress. Tax and HOA amounts on this listing are for 128 Dogwood only.

128 Dogwood Dr, Cross Junction

Listing courtesy of ERA Oakcrest Realty, Inc.. Contact:

407 Dogwood Dr, Cross Junction
$384,900
3 Beds ⋅ 2 Baths
***BACK ON THE MARKET DUE TO BUYER FINANCING FALLING THROUGH!*** GATED LAKE COMMUNITY LIVING ��� VACATION YEAR-ROUND! Welcome to Lake Holiday, where resort-style living meets everyday comfort! This move-in ready 3BR/2BA rancher offers easy one-level living with the added bonus of a partially finished walkout basement—perfect for a rec room, theater, or game-day space, plus unfinished area for storage or future expansion. The kitchen shines with rich cherry cabinetry, granite countertops, and a breakfast bar ideal for gathering. The spacious primary suite features a private bath with a new vanity, and the oversized 2-car garage provides room for your boat, lake gear, or extra storage. Unwind on the covered front porch or entertain on the back deck—your own private retreat. Major updates are already done: new roof & gutters with gutter guards (2020) and new dual-fuel HVAC (2024), along with a new range, hood, and garage door openers. Enjoy life inside this sought-after gated lake community featuring a 240-acre lake, marina, boat ramp, sandy beaches, clubhouse with fitness room, fishing pier, playgrounds, walking trails, sports courts, dog parks, and boat/RV storage. Bring your boat and live the lake life every day!

407 Dogwood Dr, Cross Junction

Listing courtesy of Colony Realty. Contact:

109 Sycamore Pl, Cross Junction
$375,000
3 Beds ⋅ 2 Baths
SELLER OFFERING UP TO $6,000 TOWARD BUYER'S CLOSING COSTS WITH AN ACCEPTABLE OFFER! Brand-new construction, wooded privacy, and lake living—all without the wait! Tucked away on a quiet cul-de-sac in the gated Lake Holiday community, this 3-bedroom, 2-bath Cape Cod backs to trees, offering a peaceful, natural backdrop to enjoy from the rear deck. Whether you're looking for a weekend retreat, a low-maintenance full-time home, or the ease of main-level living, this home is ready for you to move right in! The thoughtfully designed main level features a spacious primary suite with a walk-in closet, dual vanities, and a beautifully tiled walk-in shower. The open-concept living area is filled with natural light and flows into a stylish kitchen complete with granite countertops, shaker-style cabinetry, stainless steel appliances, and a center island—perfect for everyday living and entertaining. Upstairs, two generously sized bedrooms and a full bath provide flexible space for guests, family, or a home office. Enjoy morning coffee on the 26-foot covered front porch or unwind on the rear deck overlooking the wooded backdrop. The full walkout basement offers 800+ square feet of potential additional living space, with rough-in plumbing already in place for future expansion. Lake Holiday residents enjoy access to an impressive array of amenities, including a private lake, beaches, boat docks, clubhouse, fitness center, tennis courts, and more. Conveniently located approximately 15 minutes from Winchester, this home offers a wonderful balance of peaceful surroundings and everyday accessibility. Skip the construction timeline and enjoy the benefits of a brand-new home, complete with a builder warranty. Be sure to explore the attached 3-D tour and Lake Holiday video!

109 Sycamore Pl, Cross Junction

Listing courtesy of RE/MAX Roots. Contact:

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