3941 Loch Ness Ct, Frederick, MD 21704 Property Records

Frederick County property record for 3941 Loch Ness Ct, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,968 sqft · built 2002
Lot Size	0.124 acres (5,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Feb 2017)
Tax Bill	$8,027 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-224966`

Property Details

APN / Parcel Number

Primary APN	`07-224966`
Alternative APNs	`7224966` `224966`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,968 sqft Living Area
Gross Area	3,388 sqft
1st Floor Area	1,244 sqft
Basement Area	480 sqft
Finished Basement	480 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	5,400 sqft (0.124 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	218 sqft
Deck Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	224966
Street Address	3941 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 25156 SECTION P3 5,400 SQ. FT. URBANA HIGHLANDS
Legal Subdivision	URBANA HIGHLANDS
Legal Lot Number	25156
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	2 Individual Names on Record
Mailing Address	3941 LOCH NESS CT, FREDERICK, MD 21704-7806
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE
Jun 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE
Feb 7, 2017	Grant Deed, Transfer · Conventional with PMI PRESIDENTIAL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2017 · Amount on Record
Deed Sale	Feb 8, 2017 · Amount on Record
Prior Sale	May 28, 2002 · Amount on Record
Deed Document Number	201711659-0476
Deed Book / Page	11659 / 476
Prior Transfer Date	Jun 16, 2010
Prior Transfer Doc	0078740434
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3941 LOCH NESS CT, FREDERICK, MD 21704-7806
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	BLUERIDGE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3941 LOCH NESS CT, FREDERICK, MD 21704-7806

Mortgage

Document Number	0155530473
Date	Dec 9, 2021
Book Page	15553/473

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23451

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3941 LOCH NESS CT, FREDERICK, MD 21704-7806
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	BLUE RIDGE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0137970443
Date	Jun 10, 2020
Book Page	13797/443

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23451

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 7, 2017
Property Address	3941 LOCH NESS CT, FREDERICK, MD 21704-7806
Document Number	0116590476
Book / Page	011659 / 000476
Instrument Date	Feb 1, 2017
Transaction Type	Transfer
Record Updated	Mar 24, 2017
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
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	3941 LOCH NESS CT FREDERICK MD 217047806, FREDERICK, MD 21704-7806

Mortgage

Document Number	116590482
Date	Feb 7, 2017
Book Page	011659/000482

Lender

Name	PRESIDENTIAL BK
Type	Bank
Address	BETHESDA, MD 20814

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 6, 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		$596,433 (+8.67%)	$644,000 (-) Land $225,200 Building $418,800
2025	$8,027.00 (+6.47%)	$548,867 (+16.79%)	$644,000 (+28.47%) Land $225,200 Building $418,800
2024	$7,539.00 (+8.27%)
2023	$6,963.00	$469,967	$501,300 Land $175,200 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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