3940 Loch Ness Ct, Frederick, MD 21704 Property Records

Frederick County property record for 3940 Loch Ness Ct, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,732 sqft · built 2002
Lot Size	0.137 acres (5,956 sqft)
Owner	Individual Name on Record
Last Sale	$276,168 (Mar 2002)
Tax Bill	$8,032 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-224850`

Property Details

APN / Parcel Number

Primary APN	`07-224850`
Alternative APNs	`7224850` `224850`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,732 sqft Living Area
Gross Area	3,152 sqft
1st Floor Area	1,108 sqft
Basement Area	516 sqft
Finished Basement	516 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,956 sqft (0.137 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	68 sqft
Deck Area	140 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	224850
Street Address	3940 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 25146 SECTION P3 5,956 SQ. FT. URBANA HIGHLANDS
Legal Subdivision	URBANA HLNDS SEC P3
Legal Lot Number	25146
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3940 LOCH NESS CT, FREDERICK, MD 21704-7807
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HM MTG
Jul 6, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2002 · Amount on Record
Deed Sale	Mar 11, 2002 · Amount on Record
Deed Document Number	20021834
Deed Book / Page	3093 / 529
Last Transfer Date	Jun 20, 2017
Transfer Doc	0119120015
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3940 LOCH NESS CT, FREDERICK, MD 21704-7807
Document Number	0141610101
Instrument Date	Aug 13, 2020
Transaction Type	Mortgage
Record Updated	Oct 21, 2020
Title Company	OLD REPUBLIC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3940 LOCH NESS CT FREDERICK MD 217047807, FREDERICK, MD 21704-7807

Mortgage

Document Number	0141610101
Date	Oct 13, 2020
Book Page	014161/000101

Lender

Name	PROSPERITY HM MTG
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 12, 2050

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Jul 6, 2017
Property Address	3940 LOCH NESS CT, FREDERICK, MD 21704-7807
Document Number	0119120015
Book / Page	11912 / 0015
Map Reference	MB71 PG81
Instrument Date	Jun 20, 2017
Instrument	11912-0015
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE TOWN SETTLEMENTS LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3940 LOCH NESS CT, FREDERICK, MD 21704-7807

Mortgage

Document Number	119120019
Date	Jul 6, 2017
Instrument	11912-0019

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

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		$597,033 (+27.05%)	$644,800 (+28.57%) Land $225,400 Building $419,400
2025	$8,032.00 (+15.35%)
2023	$6,963.00	$469,933	$501,500 Land $175,400 Building $326,100

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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