$624,900
PENDING $25K PRICE DROP

103 Cloak Ln Lake Frederick, VA 22630

Estimated payment $3,977/month

Total Views 4,148
3 Beds
3 Baths
2,486 Sq Ft
$251 Price per Sq Ft

Highlights

  • Active Adult
  • Colonial Architecture
  • Attic
  • Open Floorplan
  • Engineered Wood Flooring
  • 2 Fireplaces

About This Home

Beautifully maintained home located in the sought-after Shenandoah 55+ Active Adult gated community at Lake Frederick. Offering approximately 2,500 finished square feet, this home is designed for comfortable main-level living while still providing additional space for guests, hobbies, and storage.
The main level features a thoughtful and open layout beginning with 10-foot ceilings, engineered hardwood flooring, crown molding, and recessed lighting throughout. Just off the entry is a guest bedroom and full guest bathroom. A formal living room overlooks the family room, gourmet kitchen, and screened patio with outdoor fireplace, creating an inviting setting for both everyday living and entertaining.
The gourmet kitchen includes a large island and generous pantry, and opens to the a formal dining room and a family room with a cozy indoor fireplace, allowing the spaces to flow naturally together. Two upgraded sliding glass doors provide easy access to the outdoor living area, perfect for hosting family and friends or enjoying quiet evenings outside.
The primary suite is filled with natural sunlight and features a private bathroom with dual sinks, walk-in shower, and spacious walk-in closet. The main level also includes an exceptionally large laundry room and convenient access to the two-car garage (garage refrigerator conveys as-is).
The partially finished walk-out basement expands the living space with 9-foot ceilings and full insulation, and includes one finished bedroom and a full bathroom, making it ideal for visiting guests. The unfinished portion provides substantial storage or future finishing potential. Step outside to a stamped concrete patio that offers another relaxing outdoor space.
Major systems include HVAC (2016), Trane heating system (2016), Culligan water system (2016), all kitchen appliances (2016), and a hot water heater replaced in December 2023. The home also has an Eco Shield pest control contract, Verizon service availability, and parking for four vehicles total (two in the garage and two in the driveway), with additional street parking available on Rachel Carson Drive. ABOUT THE COMMUNITY
Lake Frederick is an award-winning 55+ gated community centered around the scenic 117-acre Lake Frederick, located within a 900-acre master-planned neighborhood at the foothills of the Blue Ridge Mountains with convenient access to I-66, I-81, Route 50, Route 7, and Route 11. Residents enjoy the Shenandoah Lodge and Athletic Club, featuring a modern fitness center, indoor lap pool, outdoor resort-style pool, movement studio, sauna, and spa locker rooms. Outdoor amenities include pickleball and tennis courts, dog parks, and more than 8 miles of lakeside walking and biking trails. The lake also offers fishing and non-gas boating. The community gathering space, The Crow’s Nest, offers a variety of social and recreational areas including a golf simulator, sports lounge, billiards, card tables, art studio, library, and lakeside gathering spaces. Residents enjoy numerous clubs, events, and activities throughout the year. Dining is available at Region’s 117, a popular farm-to-table restaurant located at Shenandoah Lodge featuring beautiful lake and mountain views from its covered outdoor veranda and firepit area.

Listing Agent

Matthew Lama

(877) 366-2213 vabrokers@lptrealty.com LPT Realty, LLC Brokerage Phone: 8773662213 Listed on: 03/19/2026

LPT Realty, LLC

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $2,868

Year Built

  • Built in 2016

Lot Details

  • 6,534 Sq Ft Lot
  • North Facing Home
  • Property is zoned R5

HOA Fees

  • $405 Monthly HOA Fees

Parking

  • 2 Car Attached Garage
  • Front Facing Garage
  • Driveway
  • On-Street Parking

Home Design

  • Colonial Architecture
  • Poured Concrete
  • Architectural Shingle Roof
  • Concrete Perimeter Foundation

Interior Spaces

  • Property has 2 Levels
  • Open Floorplan
  • Crown Molding
  • High Ceiling
  • Ceiling Fan
  • Recessed Lighting
  • 2 Fireplaces
  • Fireplace With Glass Doors
  • Stone Fireplace
  • Fireplace Mantel
  • Gas Fireplace
  • Window Treatments
  • Sliding Doors
  • Attic

Kitchen

  • Built-In Double Oven
  • Cooktop
  • Built-In Microwave
  • Ice Maker
  • Dishwasher
  • Stainless Steel Appliances
  • Kitchen Island
  • Disposal

Flooring

  • Engineered Wood
  • Carpet
  • Tile or Brick

Bedrooms and Bathrooms

  • En-Suite Bathroom
  • Walk-In Closet

Laundry

  • Laundry Room
  • Laundry on main level
  • Dryer
  • Washer

Partially Finished Basement

  • Heated Basement
  • Walk-Out Basement
  • Rear Basement Entry
  • Sump Pump
  • Basement Windows

Accessible Home Design

  • Halls are 48 inches wide or more
  • Lowered Light Switches
  • Doors with lever handles
  • Doors are 32 inches wide or more

Outdoor Features

  • Patio

Utilities

  • Humidifier
  • Forced Air Heating and Cooling System
  • Heating System Uses Natural Gas
  • Underground Utilities
  • Water Treatment System
  • Natural Gas Water Heater
  • Phone Connected
  • Cable TV Available

Listing and Financial Details

  • Tax Lot 238
  • Assessor Parcel Number 87-B-2-1-238

Community Details

Overview

  • Active Adult
  • $1,400 Capital Contribution Fee
  • $4,000 Other One-Time Fees
  • Active Adult | Residents must be 55 or older
  • Shenandoah HOA
  • Built by Winchester Homes
  • Shenandoah, Lake Frederick Subdivision
  • Property Manager

Recreation

  • Community Pool

Home Details

Home Type

Single Family

Est. Annual Taxes

$2,868

Year Built

Built in 2016

Lot Details

6,534 Sq Ft Lot

HOA Fees

$405 per month

Parking

2

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Colonial
  • Accessibility Features: 32"+ Wide Doors, 36"+ Wide Halls, 48"+ Halls, Accessible Switches/Outlets, Doors - Lever Handle(s)
  • Ownership: Fee Simple
  • New Construction: No
  • Story List: Lower 1, Main
  • Expected On Market: 3/19/2026 12:00:00 AM
  • Year Built: 2016
  • Automatically Close On Close Date: Yes
  • Special Features: VirtualTour
  • Property Sub Type: Detached

Interior Features

  • Appliances: Built-In Microwave, Cooktop, Dishwasher, Disposal, Dryer, Icemaker, Humidifier, Oven - Double, Oven - Wall, Refrigerator, Stainless Steel Appliances, Washer, Water Heater
  • Flooring Type: Engineered Wood, Carpet, Tile/Brick
  • Interior Amenities: Attic, Carpet, Ceiling Fan(s), Floor Plan - Open, Kitchen - Island, Pantry, Primary Bath(s), Recessed Lighting, Walk-In Closet(s), Water Treat System, Window Treatments, Wood Floors, Crown Moldings
  • Fireplace Features: Fireplace - Glass Doors, Gas/Propane, Stone, Mantel(s)
  • Fireplaces Count: 2
  • Fireplace: Yes
  • Door Features: Sliding Glass
  • Wall Ceiling Types: Dry Wall, High
  • Foundation Details: Concrete Perimeter
  • Levels Count: 2
  • Room List: Bedroom 2, Bedroom 1, Bathroom 1, Bathroom 2
  • Basement: Yes
  • Basement Type: Heated, Partially Finished, Poured Concrete, Rear Entrance, Sump Pump, Walkout Level, Windows, Improved
  • Laundry Type: Main Floor
  • Total Sq Ft: 4743
  • Living Area Sq Ft: 2486
  • Price Per Sq Ft: 306.93
  • Above Grade Finished Sq Ft: 2036
  • Below Grade Finished Sq Ft: 450
  • Below Grade Sq Ft: 2257
  • Total Below Grade Sq Ft: 2707
  • Above Grade Finished Area Units: Square Feet

Beds/Baths

  • Bedrooms: 3
  • Main Level Bedrooms: 2
  • All Lower Level Bedrooms: 1
  • Total Bathrooms: 3
  • Full Bathrooms: 3
  • Main Level Bathrooms: 2.00
  • Lower Levels Bathrooms: 1
  • Lower Levels Bathrooms: 1.00
  • Main Level Full Bathrooms: 2
  • Lower Level Full Bathrooms: 1

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Roof: Architectural Shingle
  • Water Access: No
  • Waterfront: No
  • Water Oriented: No
  • Pool: Yes - Community
  • Tidal Water: No
  • Water View: No

Garage/Parking

  • Garage Spaces: 2.00
  • Garage: Yes
  • Garage Features: Garage - Front Entry
  • Attached Garage Spaces: 2
  • Total Garage And Parking Spaces: 2
  • Type Of Parking: Attached Garage, Driveway, On Street

Utilities

  • Central Air Conditioning: Yes
  • Cooling Fuel: Electric
  • Cooling Type: Central A/C
  • Heating Fuel: Natural Gas
  • Heating Type: Forced Air
  • Heating: Yes
  • Hot Water: Natural Gas
  • Sewer/Septic System: Public Sewer
  • Utilities: Cable Tv Available, Electric Available, Natural Gas Available, Phone Available, Phone Connected, Sewer Available, Under Ground, Water Available
  • Water Source: Public
  • Internet Services: Fiber Optic, Cable

Condo/Co-op/Association

  • HOA Fees: 405.00
  • HOA Fee Frequency: Monthly
  • Condo Co-Op Association: No
  • HOA Name: SHENANDOAH
  • HOA: Yes
  • Senior Community Age Requirement: 55
  • Senior Community: Yes

Fee Information

  • Other Fees: 4000.00
  • Other Fees Frequency: One Time
  • Capital Contribution Fee: 1400.00

Schools

  • School District Source: Listing Agent

Lot Info

  • Lot Size Acres: 0.15
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 6534.00
  • Outdoor Living Structures: Patio(s)
  • Zoning: R5
  • In City Limits: No

Building Info

  • Builder Name: Winchester Homes

Rental Info

  • Vacation Rental: No
  • Property Manager: Yes

Tax Info

  • Tax Annual Amount: 2868.00
  • Assessor Parcel Number: 87-B-2-1-238
  • Tax Lot: 238
  • County Tax Payment Frequency: Annually
  • Tax Year: 2025

MLS Schools

  • School District Name: FREDERICK COUNTY PUBLIC SCHOOLS

Map

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

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 $2,868 $597,600 $108,000 $489,600
2024 $1,398 $548,300 $92,000 $456,300
2023 $2,796 $548,300 $92,000 $456,300
2022 $2,550 $418,100 $87,000 $331,100
2021 $2,550 $418,100 $87,000 $331,100
2020 $2,323 $380,900 $87,000 $293,900
2019 $2,323 $380,900 $87,000 $293,900
2018 $2,330 $381,900 $87,000 $294,900
2017 $2,291 $381,900 $87,000 $294,900
2016 $1,756 $361,800 $84,500 $277,300
2015 $448 $80,000 $80,000 $0
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
05/14/2026 05/14/26 Pending -- -- --
04/06/2026 04/06/26 Price Changed $624,900 -3.8% $251 / Sq Ft
03/19/2026 03/19/26 For Sale $649,900 -- $261 / Sq Ft
Source: Bright MLS

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 Type Sale Price Title Company
Interfamily Deed Transfer -- None Available
Special Warranty Deed $435,407 Walker Title Llc
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 Loan Amount Loan Type
Open $200,000 New Conventional
Source: Public Records

Source: Bright MLS

MLS Number: VAFV2040080

Bright MLS

APN: 87B2-1-238

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