3949 Loch Ness Ct, Frederick, MD 21704 Property Records

Frederick County property record for 3949 Loch Ness Ct, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,880 sqft · built 2001
Lot Size	0.247 acres (10,750 sqft)
Owner	Individual Name on Record
Last Sale	$361,510 (Sep 2001)
Tax Bill	$9,651 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-224915`

Property Details

APN / Parcel Number

Primary APN	`07-224915`
Alternative APNs	`7224915` `224915`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,880 sqft Living Area
Gross Area	4,300 sqft
1st Floor Area	1,664 sqft
Basement Area	552 sqft
Finished Basement	552 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	10,750 sqft (0.247 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	226 sqft
Deck Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	224915
Street Address	3949 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 25152 SECTION P3 10,750 SQ. FT. URBANA HIGHLANDS
Legal Subdivision	URBANA HIGHLANDS
Legal Lot Number	25152
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	3949 LOCH NESS CT, FREDERICK, MD 21704-7806
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2023	Deed of Trust, Mortgage · Line of Credit SANDY SPRING BANK
Nov 18, 2020	Deed of Trust, Mortgage · FHA Mortgage DIRECT MORTGAGE LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2001 · Amount on Record
Deed Sale	Sep 17, 2001 · Amount on Record
Deed Document Number	20016448
Deed Book / Page	2951 / 992
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3949 LOCH NESS CT, FREDERICK, MD 21704-7806
Transaction Type	Mortgage
Record Updated	Mar 22, 2023
Title Company	INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3949 LOCH NESS CT, FREDERICK, MD 21704-7806

Mortgage

Document Number	0163540084
Date	Mar 7, 2023
Book Page	16354/84

Lender

Name	SANDY SPRING BANK
Type	Bank
Address	OLNEY, MD 20832

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3949 LOCH NESS CT, FREDERICK, MD 21704-7806
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	COMMUNITY SETMNTS & ESCROW L

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3949 LOCH NESS CT, FREDERICK, MD 21704-7806

Mortgage

Document Number	0142790091
Date	Nov 18, 2020
Book Page	14279/91

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company
Address	HUNT VALLEY, MD 21031

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

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		$740,833 (+27.27%)	$799,900 (+28.46%) Land $227,800 Building $572,100
2025	$9,651.00 (+16.6%)
2023	$8,277.00	$582,100	$622,700 Land $177,800 Building $444,900

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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