Calvert County property record for 10520 Ward Rd, Dunkirk, MD 20754
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 4,610 sqft · built 2021 |
| Lot Size | 4.26 acres (185,566 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $195,000 (Jun 2019) |
| Tax Bill | $13,551 (2025) |
| Deeds & Mortgages | Dec 2019 Construction Loan Jun 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-000656 |
| Primary APN | 03-000656 |
|---|---|
| Alternative APNs |
|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,610 sqft Total Area |
| Basement Area | 2,441 sqft |
| Finished Basement | 2,441 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Mobile Home |
| Exterior Material | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 185,566 sqft (4.26 acres) |
| Garage Type | Mixed |
| Garage Area | 1,380 sqft |
| Parking Spaces | 5 Parking Spaces |
| Pool Area | 684 sqft |
| Porch | Slab |
| Deck Area | 320 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 000656 |
|---|---|
| Street Address | 10520 WARD RD |
| City | DUNKIRK |
| State | MD |
| Zip | 20754-2730 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RUR |
| Legal Description | 4.26 AC 10520 WARD RD DUNKIRK |
| Legal Subdivision | WOODLAWN FARMS |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 3, SUNDERLAND |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 860103 |
Source: Calvert County records, as of July 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10520 WARD RD, DUNKIRK, MD 20754-2730 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 12, 2019 | Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Jun 6, 2019 | Grant Deed, Transfer MARYLAND TRUST TITLE AND ESCROW LLC, MARYLAND TR TITLE & ESCROW LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 6, 2019 · Amount on Record |
| Deed Sale | Jun 6, 2019 · Amount on Record |
| Deed Book / Page | 5371 / 182 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 10520 WARD RD, DUNKIRK, MD 20754-2730 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2021 |
| Title Company | MARYLAND TRUST T&E LLC |
| Name | Verified Name |
|---|
| Document Number | 0054920034 |
|---|---|
| Date | Dec 12, 2019 |
| Book Page | 5492/034 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | HERMITAGE, PA 16148 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Dec 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Type Change Date | Dec 1, 2027 |
| Change Frequency | Monthly |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.12% |
| Index | 1-Year LIBOR |
| Max Rate | 8.12% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Jun 6, 2019 |
| Property Address | 10520 WARD RD, DUNKIRK, MD 20754-2730 |
| Document Number | 0053710182 |
| Book / Page | 005371 / 000182 |
| Instrument Date | May 15, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2019 |
| Title Company | MARYLAND TRUST TITLE AND ESCROW LLC, MARYLAND TR TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $195.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5301 COVE VIEW DR ST LEONARD MD 206853008, ST LEONARD, MD 20685-3008 |
Source: Calvert County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,247,433 (+19.66%) | $1,271,700 (+2.95%) Land $178,500 Building $1,093,200 | |
| 2025 | $13,551.00 (+25.33%) | ||
| 2023 | $10,812.00 Homeowner's exemption | $1,042,500 | $1,235,300 Land $178,500 Building $1,056,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective April 18, 2021 · 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 in force |
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.
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 | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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