3936 Loch Ness Ct, Frederick, MD 21704 Property Records

Frederick County property record for 3936 Loch Ness Ct, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,116 sqft · built 2002
Lot Size	0.152 acres (6,623 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Mar 2019)
Tax Bill	$8,195 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-224834`

Property Details

APN / Parcel Number

Primary APN	`07-224834`
Alternative APNs	`7224834` `224834`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,116 sqft Living Area
Gross Area	3,578 sqft
1st Floor Area	1,108 sqft
Basement Area	900 sqft
Finished Basement	900 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	6,623 sqft (0.152 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	224834
Street Address	3936 LOCH NESS CT
City	FREDERICK
State	MD
Zip	21704-7807
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 25144 SECTION P3 6,623 SQ. FT. URBANA HIGHLANDS
Legal Subdivision	URBANA HIGHLANDS
Legal Lot Number	25144
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	1
Census Block	1030
Census Tract	752205

Owner

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

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

Owner of Record	2 Individual Names on File
Mailing Address	3936 LOCH NESS CT, FREDERICK, MD 21704-7807
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2023	Deed of Trust, Mortgage · Line of Credit ACNB BANK
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Mar 22, 2019	Deed, Transfer · FHA Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2019 · Amount on File
Deed Sale	Mar 22, 2019 · Amount on File
Prior Sale	Dec 17, 2002 · Amount on File
Deed Book / Page	12883 / 391
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3936 LOCH NESS CT, FREDERICK, MD 21704-7807
Transaction Type	Mortgage
Record Updated	Jul 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3936 LOCH NESS CT, FREDERICK, MD 21704-7807

Mortgage

Document Number	0165170011
Date	Jul 13, 2023
Book Page	16517/11

Lender

Name	ACNB BANK
Type	Bank
Address	GETTYSBURG, PA 17325

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3936 LOCH NESS CT, FREDERICK, MD 21704-7807
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3936 LOCH NESS CT, FREDERICK, MD 21704-7807

Mortgage

Document Number	0146040209
Date	Mar 1, 2021
Book Page	14604/209

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2051

March 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 22, 2019
Property Address	3936 LOCH NESS CT, FREDERICK, MD 21704-7807
Document Number	0128830391
Book / Page	12883 / 0391
Map Reference	MB 65 FO 67
Instrument Date	Mar 15, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	TITLE TOWN SETTLEMENTS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,350.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3936 LOCH NESS CT, FREDERICK, MD 21704-7807

Mortgage

Document Number	0012883397
Date	Mar 22, 2019
Instrument	12883/397

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

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		$611,500 (+29.8%)	$660,400 (+28.56%) Land $225,800 Building $434,600
2025	$8,195.00 (+17.47%)
2023	$6,976.00	$471,100	$513,700 Land $175,800 Building $337,900

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

Flood

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

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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