10920 Ward Rd, Dunkirk, MD 20754 Property Records

Calvert County property record for 10920 Ward Rd, Dunkirk, MD 20754 · Last verified September 2023

Property Summary

Property Type	Single Family Home
Details	4 ba · 4,230 sqft · built 1994
Lot Size	3.05 acres (132,858 sqft)
Owner	2 Individual Names on File
Last Sale	$780,000 (Oct 2019)
Tax Bill	$8,594 (2023)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-143945`

Property Details

APN / Parcel Number

Primary APN	`03-143945`
Alternative APNs	`3143945` `143945`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,230 sqft Total Area
1st Floor Area	2,968 sqft
Basement Area	1,812 sqft
Finished Basement	1,812 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Architectural Style	Conventional
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	132,858 sqft (3.05 acres)
Garage Type	Mixed
Garage Area	1,512 sqft
Parking Spaces	5 Parking Spaces
Pool Area	720 sqft
Deck Area	1,061 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	143945
Old Parcel Number	3143945
Street Address	10920 WARD RD
City	DUNKIRK
State	MD
Zip	20754-9365
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 1 PLAT 1 WELCHPOOLE ESTS
Legal Subdivision	WELCHPOOLE ESTATES
Legal Lot Number	1
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	1
Census Block	1003
Census Tract	860103

Owner

Source: Calvert County records · APN 03-143945

Assessment roll updated July 1, 2023 · Last verified September 2023

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 File
Co-owner	2 Verified Secondary Owners
Mailing Address	10920 WARD RD, DUNKIRK, MD 20754-9365
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 07, 2019	Deed, Transfer · FHA Mortgage SANDY SPRING BANK

Assessor's Deed Record

Deed Names	4 Verified Names on Deed
Last Sale	Oct 07, 2019 · Amount on Record
Deed Sale	Oct 07, 2019 · Amount on Record
Prior Sale	Oct 15, 1993 · Amount on Record
Deed Document Number	0005448446
Deed Book / Page	5448 / 446
Record Updated	Jun 07, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	10920 WARD RD, DUNKIRK, MD 20754-9365
Transaction Type	Mortgage
Record Updated	Apr 03, 2026
Title Company	MARYLAND TITLE CENTER LLC, MARYLAND TRUST T&E LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061150307
Date	Oct 19, 2021
Book Page	6115/307

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2051

October 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Oct 07, 2019
Property Address	10920 WARD RD, DUNKIRK, MD 20754-9365
Document Number	0054480446
Book / Page	5448 / 446
Map Reference	MB ABE 3 PL 331
Instrument Date	Sep 25, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	REALTY TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,950.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10920 WARD RD, DUNKIRK, MD 20754-9365

Mortgage

Document Number	5448452
Date	Oct 07, 2019
Instrument	5448/452

Lender

Name	SANDY SPRING BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2049

Tax Assessment & Valuation

Source: Calvert County records · Assessment roll updated July 1, 2023 · Last verified September 2023

Property Jurisdictions

Type	Name
State	Maryland
County	Calvert County
Unified School District	Calvert County Public Schools (PK - 12)

Tax Bill & Assessment History

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
2023	$8,594.00 Homeowner's exemption	$827,167	$933,300 Land $200,000 Building $733,300

Flood & Wildfire

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

Flood

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

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 3,333 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 44 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ward Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures