Maghemite spherical magnetic nanoparticles (MNPs) were prepared by laser target evaporation. X-ray diffraction, transmission electron microscopy, specific surface area, and dynamic light scattering studies were performed. For water-based suspensions prepared on the basis of obtained MNPs, the zeta potential was measured. Magnetic and microwave measurements were performed both for MNPs and ferrofluids. To estimate the inductive magnetic heating of electrostatically self-stabilized or electrostatically stabilized by adsorbed citrate ions ferrofluids, magneto-inductive heating experiments were performed that showed heating efficiency. For the study of cytotoxicity and maghemite MNPs accumulation process, two non-pathogenic Exophiala nigrum (black) and its mutant strain (red) yeasts were studied. In both cases, no significant alterations of cell morphology were observed.