Calvert County property record for 10540 Ward Rd, Dunkirk, MD 20754 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,664 sqft · built 1955 |
| Lot Size | 1.49 acres (64,904 sqft) |
| Owner | Individual Name on File |
| Last Sale | $400,000 (Dec 2017) |
| Tax Bill | $5,239 (2025) |
| Deeds & Mortgages | Aug 2023 Document Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-005933 |
| Primary APN | 03-005933 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,664 sqft Total Area |
| Basement Area | 800 sqft |
| Finished Basement | 800 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 64,904 sqft (1.49 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 416 sqft |
| Patio Area | 336 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 005933 |
|---|---|
| Street Address | 10540 WARD RD |
| City | DUNKIRK |
| State | MD |
| Zip | 20754-2730 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.49 AC 10540 WARD RD DUNKIRK |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 3, SUNDERLAND |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 860103 |
Source: Calvert County records · APN 03-005933
Assessment roll updated July 29, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 10540 WARD RD, DUNKIRK, MD 20754-2730 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 16, 2023 | |
| Oct 08, 2021 | Deed of Trust, Mortgage · VA Mortgage MOVEMENT MORTGAGE |
| Jun 01, 2021 | Deed of Trust, Mortgage · VA Mortgage MOVEMENT MORTGAGE |
| Dec 06, 2017 | Deed, Transfer · VA Mortgage PRESIDENTIAL BANK FSB |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 06, 2017 · Amount on Record |
| Deed Sale | Dec 06, 2017 · Amount on Record |
| Prior Sale | Aug 28, 1985 · Amount on Record |
| Deed Book / Page | 5109 / 440 |
| Last Transfer Date | Aug 15, 2023 |
| Transfer Doc | 0064710186 |
| Record Updated | Jun 08, 2026 |
| Jurisdiction | CALVERT MD |
|---|---|
| Recording Date | Aug 16, 2023 |
| Property Address | 10540 WARD RD, DUNKIRK, MD 20754-2730 |
| Document Number | 0064710186 |
| Book / Page | 6471 / 186 |
| Instrument Date | Aug 15, 2023 |
| Record Updated | Aug 31, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10540 WARD RD, DUNKIRK, MD 20754-2730 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 10540 WARD RD, DUNKIRK, MD 20754-2730 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0061060440 |
|---|---|
| Date | Oct 08, 2021 |
| Book Page | 6106/440 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29707 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 10540 WARD RD, DUNKIRK, MD 20754-2730 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Title Company | ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0059770368 |
|---|---|
| Date | Jun 01, 2021 |
| Book Page | 5977/368 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29707 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 350 Months |
| Due | Aug 01, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Dec 06, 2017 |
| Property Address | 10540 WARD RD, DUNKIRK, MD 20754-2730 |
| Document Number | 0051090440 |
| Book / Page | 5109 / 440 |
| Instrument Date | Nov 22, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | MARYLAND FIRST TITLE LTD |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10540 WARD RD, DUNKIRK, MD 20754-2730 |
| Document Number | 0005109446 |
|---|---|
| Date | Dec 06, 2017 |
| Instrument | 5109/446 |
| Name | PRESIDENTIAL BANK FSB |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2047 |
Source: Calvert County records · Assessment roll updated July 29, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,239.00 (+25.27%) Homeowner's exemption | $465,000 (+15.52%) Land $163,900 Building $301,100 | $465,000 (-) Land $163,900 Building $301,100 |
| 2023 | $4,182.00 Homeowner's exemption | $402,533 | $465,000 Land $163,900 Building $301,100 |
Source: FEMA National Flood Hazard Layer, Calvert County (24009C), updated April 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240098601031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 3,333 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 22 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 1,200 / 35 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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