3948 Loch Ness Ct, Frederick, MD 21704 Property Records

Frederick County property record for 3948 Loch Ness Ct, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,116 sqft · built 2001
Lot Size	0.154 acres (6,692 sqft)
Owner	Individual Name on File
Last Sale	$355,000 (Mar 2011)
Tax Bill	$7,794 (2025)
Deeds & Mortgages	Dec 2022 Second Mortgage Apr 2019 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-224893`

Property Details

APN / Parcel Number

Primary APN	`07-224893`
Alternative APNs	`7224893` `224893`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,116 sqft Living Area
Gross Area	3,536 sqft
1st Floor Area	1,108 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,692 sqft (0.154 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	68 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	224893
Street Address	3948 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 25150 SECTION P3 6,692 SQ. FT. URBANA HIGHLANDS
Legal Subdivision	URBANA HIGHLANDS
Legal Lot Number	25150
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	1
Census Block	1030
Census Tract	752205

Owner

3948 Loch Ness Ct is owned and occupied by an individual who bought it in March 2011.

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

Owner of Record	Individual Name on File
Mailing Address	3948 LOCH NESS CT, FREDERICK, MD 21704-7807
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Dec 22, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NATIONAL INSTITUTES OF HEALTH FCU
Apr 12, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NATIONAL INSTITUTES OF HEALTH FCU
Apr 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage ARDENT FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2011 · Amount on File
Deed Sale	Mar 9, 2011 · Amount on File
Prior Sale	Mar 9, 2011 · Amount on File
Deed Document Number	20118274/0237
Deed Book / Page	8274 / 237
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3948 LOCH NESS CT, FREDERICK, MD 21704-7807
Transaction Type	Mortgage
Record Updated	Jan 5, 2023
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3948 LOCH NESS CT, FREDERICK, MD 21704-7807

Mortgage

Document Number	0162710212
Date	Dec 22, 2022
Book Page	16271/212

Lender

Name	NATIONAL INSTITUTES OF HEALTH FCU
Type	Credit Union
Address	ROCKVILLE, MD 20850

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jan 1, 2033

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3948 LOCH NESS CT, FREDERICK, MD 21704-7807
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	OLD REPUBLIC TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0129180311
Date	Apr 12, 2019
Book Page	12918/0311

Lender

Name	NATIONAL INSTITUTES OF HEALTH FCU
Type	Credit Union
Address	ROCKVILLE, MD 20850

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 3, 2029

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3948 LOCH NESS CT, FREDERICK, MD 21704-7807
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	RES TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3948 LOCH NESS CT, URBANA, MD 21704-7807

Mortgage

Document Number	0158630068
Date	Apr 18, 2022
Book Page	15863/68

Lender

Name	ARDENT FCU
Type	Credit Union
Address	PHILADELPHIA, PA 19130

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 3948 Loch Ness Ct was $7,794 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		$634,300	$685,000 Land $225,800 Building $459,200
2025	$7,794.00
2023	$7,056.00 Homeowner's exemption	$499,067	$532,900 Land $175,800 Building $357,100

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

Flood

FEMA maps place 3948 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 3948 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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