3947 Loch Ness Ct, Frederick, MD 21704 Property Records

Frederick County property record for 3947 Loch Ness Ct, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,046 sqft · built 2002
Lot Size	0.153 acres (6,651 sqft)
Owner	2 Individual Names on File
Last Sale	$322,318 (Jun 2002)
Tax Bill	$7,787 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-224923`

Property Details

APN / Parcel Number

Primary APN	`07-224923`
Alternative APNs	`7224923` `224923`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,046 sqft Living Area
Gross Area	3,508 sqft
1st Floor Area	1,108 sqft
Basement Area	830 sqft
Finished Basement	830 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	6,651 sqft (0.153 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	68 sqft
Deck Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	224923
Street Address	3947 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 25153 SECTION P3 6,651 SQ. FT. URBANA HIGHLANDS
Legal Subdivision	URBANA HLNDS SEC P3
Legal Lot Number	25153
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	1
Census Block	1030
Census Tract	752205

Owner

3947 Loch Ness Ct is owned and occupied by two individuals who bought it in June 2002.

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

Owner of Record	2 Individual Names on File
Mailing Address	3947 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.

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2002 · Amount on File
Deed Sale	Jun 27, 2002 · Amount on File
Deed Document Number	20025101
Deed Book / Page	3179 / 346
Record Updated	Sep 20, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3947 LOCH NESS CT, FREDERICK, MD 21704-7806
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0134430028
Date	Jan 6, 2020
Book Page	13443/0028

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3947 LOCH NESS CT, FREDERICK, MD 21704-7806
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3947 LOCH NESS CT, FREDERICK, MD 21704-7806

Mortgage

Document Number	0151790088
Date	Aug 10, 2021
Book Page	15179/88

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3947 Loch Ness Ct was $7,787 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		$633,733	$684,400 Land $225,800 Building $458,600
2025	$7,787.00
2023	$7,049.00 Homeowner's exemption	$498,567	$532,400 Land $175,800 Building $356,600

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

Flood

FEMA maps place 3947 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 3947 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.

Nearby Properties on Loch Ness Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures