10921 Dumbarton Dr, Dunkirk, MD 20754 Property Records

Calvert County property record for 10921 Dumbarton Dr, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,456 sqft · built 1980
Lot Size	3.87 acres (168,577 sqft)
Owner	2 Individual Names on Record
Last Sale	$140,000 (Dec 1985)
Tax Bill	$4,909 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-022986`

Property Details

APN / Parcel Number

Primary APN	`03-022986`
Alternative APNs	`3022986` `022986`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,456 sqft Total Area
Basement Area	1,237 sqft
Finished Basement	1,237 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	168,577 sqft (3.87 acres)
Garage Type	Carport
Garage Area	616 sqft
Carport	Carport
Carport Area	616 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	168 sqft
Deck Area	412 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	022986
Street Address	10921 DUMBARTON DR
City	DUNKIRK
State	MD
Zip	20754-9735
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LT 32 DUNKIRK WOODS
Legal Subdivision	DUNKIRK WOODS
Legal Lot Number	32
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	1
Census Block	1009
Census Tract	860103

Owner

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	10921 DUMBARTON DR, DUNKIRK, MD 20754-9735
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2018	Deed of Trust, Mortgage JAMES V CEFARATTI
Sep 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST HM MTG CORP
Oct 1, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 1985 · Amount on Record
Deed Sale	Dec 4, 1985 · Amount on Record
Deed Book / Page	353 / 489
Last Transfer Date	Jul 6, 2020
Transfer Doc	0057150435
Record Updated	Sep 20, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	10921 DUMBARTON DR, DUNKIRK, MD 20754-9735
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	GATEWAY TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051460008
Date	Feb 15, 2018
Book Page	5146/008

Lender

Name	JAMES V CEFARATTI
Type	Non-Lending Institution
Address	00000

Agreement

Amount	Amount Recorded

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	10921 DUMBARTON DR, DUNKIRK, MD 20754-9735
Document Number	0057150420
Instrument Date	Sep 25, 2020
Transaction Type	Mortgage
Record Updated	Oct 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10921 DUMBARTON DR DUNKIRK MD 207549735, DUNKIRK, MD 20754-9735

Mortgage

Document Number	0057150420
Date	Oct 1, 2020
Book Page	005715/000420

Lender

Name	FIRST HM MTG CORP
Address	BALTIMORE, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2050

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Oct 1, 2020
Property Address	10921 DUMBARTON DR, DUNKIRK, MD 20754-9735
Document Number	0057150435
Book / Page	5715 / 435
Map Reference	LB JLB 2 FO 69
Instrument Date	Jul 6, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	5715442
Date	Oct 1, 2020
Instrument	5715/442

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$447,867 (+3.1%)	$474,800 (+9.3%) Land $177,700 Building $297,100
2025	$4,909.00 (+20.61%) Homeowner's exemption	$434,400 (+10.87%) Land $177,700 Building $256,700	$434,400 (-) Land $177,700 Building $256,700
2023	$4,070.00 Homeowner's exemption	$391,800	$434,400 Land $177,700 Building $256,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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