3933 Loch Ness Ct, Frederick, MD 21704 Property Records

Frederick County property record for 3933 Loch Ness Ct, Frederick, MD 21704 · Last verified September 2023

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,488 sqft · built 2001
Lot Size	0.121 acres (5,291 sqft)
Owner	Individual Name on File
Last Sale	$470,000 (Aug 2020)
Tax Bill	$6,781 (2023)
Deeds & Mortgages	Apr 2022 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-225008`

Property Details

APN / Parcel Number

Primary APN	`07-225008`
Alternative APNs	`7225008` `225008`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,488 sqft Total Area
1st Floor Area	1,244 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,291 sqft (0.121 acres)
Garage Type	Basement
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	226 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	225008
Old Parcel Number	7225008
Street Address	3933 LOCH NESS CT
City	FREDERICK
State	MD
Zip	21704-7806
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 25160 SECTION P3 5,291 SQ. FT. URBANA HIGHLANDS
Legal Subdivision	URBANA HLNDS SEC P3
Legal Lot Number	25160
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	1
Census Block	1030
Census Tract	752205

Owner

Source: Frederick County records · APN 07-225008

Assessment roll updated July 1, 2023 · Last verified September 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3933 LOCH NESS CT, FREDERICK, MD 21704-7806
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Aug 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Aug 07, 2020	Deed, Transfer · FHA Mortgage EAGLE BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 07, 2020 · Amount on Record
Deed Sale	Aug 07, 2020 · Amount on Record
Prior Sale	Jun 14, 2017 · Amount on Record
Deed Document Number	0013964455
Deed Book / Page	13964 / 455
Record Updated	Jun 07, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3933 LOCH NESS CT, FREDERICK, MD 21704-7806
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	KNOWLEDGE SPLICE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3933 LOCH NESS CT, FREDERICK, MD 21704-7806

Mortgage

Document Number	0158890479
Date	Apr 29, 2022
Book Page	15889/479

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3933 LOCH NESS CT, FREDERICK, MD 21704-7806
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3933 LOCH NESS CT, FREDERICK, MD 21704-7806

Mortgage

Document Number	0151940429
Date	Aug 13, 2021
Book Page	15194/429

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Aug 01, 2050

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 07, 2020
Property Address	3933 LOCH NESS CT, FREDERICK, MD 21704-7806
Document Number	0139640455
Book / Page	13964 / 455
Map Reference	MB 71 PL 81
Instrument Date	Jul 24, 2020
Transaction Type	Transfer
Record Updated	Aug 09, 2021
Title Company	ICON TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,175.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3933 LOCH NESS CT, FREDERICK, MD 21704-7806

Mortgage

Document Number	13964461
Date	Aug 07, 2020
Instrument	13964/461

Lender

Name	EAGLE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2050

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated July 1, 2023 · Last verified September 2023

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$6,781.00 Homeowner's exemption	$473,833	$505,600 Land $175,100 Building $330,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217522051, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2025)
Most Recent Claim	Jul 2025, river or lake flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 523 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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