3935 Loch Ness Ct, Frederick, MD 21704 Property Records

Frederick County property record for 3935 Loch Ness Ct, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,060 sqft · built 2002
Lot Size	0.121 acres (5,273 sqft)
Owner	2 Individual Names on File
Last Sale	$326,968 (Jul 2002)
Tax Bill	$8,033 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-224990`

Property Details

APN / Parcel Number

Primary APN	`07-224990`
Alternative APNs	`7224990` `224990`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,060 sqft Living Area
Gross Area	3,522 sqft
1st Floor Area	1,264 sqft
Basement Area	552 sqft
Finished Basement	552 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,273 sqft (0.121 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	30 sqft
Deck Area	165 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	224990
Street Address	3935 LOCH NESS CT
City	FREDERICK
State	MD
Zip	21704-7806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 25159 SECTION P3 5,273 SQ. FT. URBANA HIGHLANDS
Legal Subdivision	URBANA HIGHLANDS
Legal Lot Number	25159
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	1
Census Block	1030
Census Tract	752205

Owner

3935 Loch Ness Ct is owned and occupied by two individuals who bought it in July 2002.

Source: Frederick County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3935 LOCH NESS CT, FREDERICK, MD 21704-7806
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jan 17, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Apr 24, 2018	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2002 · Amount on File
Deed Sale	Jul 26, 2002 · Amount on File
Deed Document Number	20025634
Deed Book / Page	3198 / 1161
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3935 LOCH NESS CT, FREDERICK, MD 21704-7806
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0160250099
Date	Jul 8, 2022
Book Page	16025/99

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	353 Months
Due	Dec 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3935 LOCH NESS CT, FREDERICK, MD 21704-7806
Document Number	0135250295
Instrument Date	Jan 17, 2020
Transaction Type	Mortgage
Record Updated	Mar 2, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3935 LOCH NESS CT FREDERICK MD 217047806, FREDERICK, MD 21704-7806

Mortgage

Document Number	0135250295
Date	Feb 12, 2020
Book Page	013525/000295

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 11, 2050

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3935 LOCH NESS CT, FREDERICK, MD 21704-7806
Document Number	0124030055
Instrument Date	Apr 24, 2018
Transaction Type	Mortgage
Record Updated	May 16, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3935 LOCH NESS CT URBANA MD 217047806, URBANA, MD 21704-7806

Mortgage

Document Number	0124030055
Date	May 8, 2018
Book Page	012403/000055

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 7, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3935 Loch Ness Ct was $8,033 with a homeowner's exemption.

Source: Frederick County assessment roll, as of August 7, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$657,833	$710,500 Land $225,100 Building $485,400
2025	$8,033.00
2023	$7,262.00 Homeowner's exemption	$517,433	$552,500 Land $175,100 Building $377,400

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

Flood

FEMA maps place 3935 Loch Ness Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

Source: FEMA National Flood Hazard Layer, effective November 6, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2025)
Most Recent Claim	Jul 2025 · river or lake flooding

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.

Wildfire

Wildfire risk around 3935 Loch Ness Ct is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NEW DESIGN - FREDERICK COUNTY serves 74,911 people · EPA ID MD0100030
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	3 ppb (2019) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 523 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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