Frederick County property record for 3945 Loch Ness Ct, Frederick, MD 21704
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,848 sqft · built 2002 |
| Lot Size | 0.124 acres (5,400 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $278,258 (Jan 2002) |
| Tax Bill | $8,272 (2025) |
| Deeds & Mortgages | May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-224931 |
| Primary APN | 07-224931 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,848 sqft Living Area |
| Gross Area | 3,268 sqft |
| 1st Floor Area | 1,244 sqft |
| Basement Area | 360 sqft |
| Finished Basement | 360 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 30 sqft |
| Deck Area | 225 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 224931 |
|---|---|
| Street Address | 3945 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 25154 SECTION P3 5,400 SQ. FT. URBANA HIGHLANDS |
| Legal Subdivision | URBANA HLNDS |
| Legal Lot Number | 25154 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 7, URBANA |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 752205 |
3945 Loch Ness Ct is owned and occupied by two individuals who bought it in January 2002.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3945 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 31, 2002 · Amount on File |
| Deed Sale | Jan 31, 2002 · Amount on File |
| Deed Document Number | 2002799 |
| Deed Book / Page | 3063 / 81 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 3945 LOCH NESS CT, FREDERICK, MD 21704-7806 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | FH TITLE INSURANCE AGENCY LLC, CU TITLE INSURANCE AGCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0149220134 |
|---|---|
| Date | May 25, 2021 |
| Book Page | 14922/134 |
| Name | CREDIT UNION MORTGAGE ASSOCIATION INC |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2036 |
The 2025 property tax bill for 3945 Loch Ness Ct was $8,272.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $618,400 | $667,900 Land $225,200 Building $442,700 | |
| 2025 | $8,272.00 | ||
| 2023 | $7,158.00 | $486,633 | $519,400 Land $175,200 Building $344,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3945 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 risk around 3945 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.
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 |
| 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.
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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