3938 Loch Ness Ct, Frederick, MD 21704 Property Records

Frederick County property record for 3938 Loch Ness Ct, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,188 sqft · built 2002
Lot Size	0.135 acres (5,892 sqft)
Owner	2 Individual Names on File
Last Sale	$477,000 (Jan 2019)
Tax Bill	$7,865 (2025)
Deeds & Mortgages	Apr 2018 Line of Credit Jan 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`07-224842`

Property Details

APN / Parcel Number

Primary APN	`07-224842`
Alternative APNs	`7224842` `224842`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,188 sqft Living Area
Gross Area	3,608 sqft
1st Floor Area	1,244 sqft
Basement Area	700 sqft
Finished Basement	700 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	5,892 sqft (0.135 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	30 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	224842
Street Address	3938 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 25145 SECTION P3 5,892 SQ. FT. URBANA HIGHLANDS
Legal Subdivision	URBANA HIGHLANDS
Legal Lot Number	25145
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	1
Census Block	1030
Census Tract	752205

Owner

3938 Loch Ness Ct is owned and occupied by two individuals who bought it in January 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	3938 LOCH NESS CT, FREDERICK, MD 21704-7807
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
Apr 27, 2018	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Jan 15, 2019	Grant Deed, Transfer BLUE RIDGE TITLE COMPANY, BLUE RIDGE TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2019 · Amount on File
Deed Sale	Jan 15, 2019 · Amount on File
Prior Sale	Oct 21, 2004 · Amount on File
Deed Book / Page	12799 / 279
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3938 LOCH NESS CT, FREDERICK, MD 21704-7807
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0123840484
Date	Apr 27, 2018
Book Page	12384/0484

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Mar 28, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 15, 2019
Property Address	3938 LOCH NESS CT, FREDERICK, MD 21704-7807
Document Number	0127990279
Book / Page	012799 / 000279
Instrument Date	Jan 10, 2019
Transaction Type	Transfer
Record Updated	Jan 25, 2019
Title Company	BLUE RIDGE TITLE COMPANY, BLUE RIDGE TITLE CO

Transaction

Amount	Amount on Record
Tax	$477.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3938 LOCH NESS CT FREDERICK MD 217047807, FREDERICK, MD 21704-7807

Tax Assessment & Valuation

The 2025 property tax bill for 3938 Loch Ness Ct was $7,865 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		$641,300	$692,600 Land $225,400 Building $467,200
2025	$7,865.00
2023	$7,117.00 Homeowner's exemption	$504,500	$538,700 Land $175,400 Building $363,300

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

Flood

FEMA maps place 3938 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 3938 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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