Strange creatures in Loch Ness are not the only legend to be associated with this dark stretch of water. During my research for "The Water Horses of Loch Ness", I found various stories which, though unrelated to the Kelpie legend, proved interesting nonetheless.
One of these concerned Urquhart Castle, as I found when looking at "In the Hebrides" authored by Constance Gordon-Cumming in 1883.
Taking passage by the steamer, we sailed up beautiful Loch Ness, taking a farewell look at Castle Urquhart, once an old holding of the Clan Cumming, and in later days one of the royal forts of Scotland, besieged by Edward I in 1303. Many a hard tussle with the English did it witness, but for the last three hundred years there has been no mention of it in any chronicle of fight or fray.
It is now a picturesque ruin, rising from the loch on a rocky promontory. The Highlanders call these grey ruins Strone Castle, and believe that two mysterious vaulted cells are hollowed in the rock below. The one contains a countless treasure of gold; but in the other a fearful pestilence is sealed up, which, if once released, would stalk forth in irresistible might and depopulate the land, having first slain the rash hand that opened its prison door. So the dread of liberating so dire a scourge has even subdued the covetous craving for gold, and the treasure-chamber remains inviolate.
The same story is told in the 1893 book, "Urquhart and Glenmoriston; olden times in a Highland parish" written by William Mackay:
It is believed in the Parish that there are two secret chambers underneath the ruins of the Castle — the one filled with gold and the other with the plague. On account of the risk of letting loose the pestilence, no attempt has ever been made to discover the treasure. This myth, in various forms, and associated with various places, is as old as the classic fable of Pandora.
Looking at this story, one is reminded of similar treasure curses, such as the tomb of King Tut. But one wonders if there is any truth behind this legend. Just as many believe there is a real creature behind the poetical Each Uisge, could there be a real trove of gold, silver and precious stones under Urquhart Castle? Given that the castle was raided, pillaged and finally blown up, there would seem to be little room for hidden treasure.
But there is another legend of a local treasure hoard, and that is the Jacobite gold of Bonnie Prince Charlie. It is told that Spain had financed the Jacobite Army to the tune of 400,000 gold livre a month. Seven boxes of these coins had arrived after the defeat at Culloden in 1745 and they were reputedly hidden in the forests not far from Loch Arkaig, over thirty miles from Castle Urquhart as the crow files. Could some of this have found its way to Loch Ness?
We could speculate further on the Templars and the treasure of King Baldwin the Second (died 1131). His treasure was allegedly taken to Rosslyn Chapel near Edinburgh, but there was also a Templar house near Urquhart Castle (now only remembered in the location of Temple Pier). This one is a bit of a longer shot.
In general, troubled times usually impel men of wealth to carefully hide their worldly goods and so I would not entirely dismiss the story out of hand. The curse part of the story can be seen as a deterrent to treasure seekers, but is it possible that some owner of the castle was forced to leave the castle in haste without his hidden treasure and his secret died with him in some distant place?
Who can tell, but it is to be noted that the level of Loch Ness rose by six feet with the building of the Caledonian Canal in the early 19th century. Perhaps our fabled hoard is now only accessible to divers? Or perhaps a long sealed door of stone lies undetected, now overrun by bushes and trees?
Today, a kind of modern combination of plague and treasure may be argued for the castle. With record numbers paying record prices to visit the site under the aegis of Historic Scotland, the uncovered treasure is certainly there to behold. On the other hand, some locals certainly regarded the plans to expand the site some years back as a plague of sorts upon the landscape.
All in all, a fascinating story, but one beyond verification; until someone stumbles upon a strange looking rock one day ...