Calvert County property record for 10982 Two Sisters Ln, Dunkirk, MD 20754 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2 Baths |
| Year Built | Built 1995 |
| Square Footage | 1,772 sqft Total Area |
| Lot Size | 41,686 sqft (0.957 acres) |
| Garage | Attached, 506 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $225,000 (1999) |
| Tax Bill | $5,176.00 (2025) |
| Primary APN | 03-153045 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,772 sqft Total Area |
| Basement Area | 886 sqft Basement |
| Finished Basement | 886 sqft Finished |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 41,686 sqft (0.957 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 506 sqft Garage |
| Deck Area | 296 sqft Deck |
| Porch Area | 144 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Sewage | Sewage Connected |
| Account Number | 153045 |
|---|---|
| Street Address | 10982 TWO SISTERS LN |
| City | DUNKIRK |
| State | MD |
| Zip | 20754-2705 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LT 34 PLAT 2 HICKORY CREEK |
| Legal Subdivision | HICKORY CREEK |
| Legal Lot Number | 34 |
| Jurisdiction | CALVERT MD |
| Minor Civil Division | 3, SUNDERLAND |
| Census Blockgroup | 1 |
| Census Block | 1003 |
| Census Tract | 860103 |
Source: Calvert County records · APN 03-153045
Assessment roll updated July 28, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 10982 TWO SISTERS LN, DUNKIRK, MD 20754-2705 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Owner is a Trust, Trust |
| Date | Document |
|---|---|
| Feb 02, 2024 | Intrafamily Transfer, Transfer |
| Dec 08, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Jun 24, 2020 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Feb 01, 2019 | Intrafamily Transfer, Transfer · Conventional Mortgage FINANCIAL FREEDOM MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 26, 1999 · Amount on Record |
| Deed Sale | Jan 26, 1999 · Amount on Record |
| Prior Sale | Nov 13, 1995 · Amount on Record |
| Deed Doc Number | 19991497 |
| Deed Book / Page | 1134 / 654 |
| Last Transfer Date | Jan 25, 2024 |
| Transfer Doc | 0065300343 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Feb 02, 2024 |
| Property Address | 10982 TWO SISTERS LN, DUNKIRK, MD 20754-2705 |
| Document Number | 0065300343 |
| Book / Page | 6530 / 343 |
| Map Reference | MB ABE 4 FO 331 |
| Instrument Date | Jan 25, 2024 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 10982 TWO SISTERS LN, DUNKIRK, MD 20754-2705 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 10982 TWO SISTERS LN, DUNKIRK, MD 20754-2705 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | PRIORITY TITLE & ESCROW |
| Name | Verified Name |
|---|---|
| Address | 10982 TWO SISTERS LN, DUNKIRK, MD 20754-2705 |
| Document Number | 0057860164 |
|---|---|
| Date | Dec 08, 2020 |
| Book Page | 5786/164 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STRONGSVILLE, OH 44136 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 10982 TWO SISTERS LN, DUNKIRK, MD 20754-2705 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0056260073 |
|---|---|
| Date | Jun 24, 2020 |
| Book Page | 5626/73 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Feb 01, 2019 |
| Property Address | 10982 TWO SISTERS LN, DUNKIRK, MD 20754-2705 |
| Document Number | 0053130443 |
| Book / Page | 5313 / 443 |
| Map Reference | MB ABE 4 FO 331 |
| Instrument Date | Jan 26, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | EAGLE TITLE AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 10982 TWO SISTERS LN, DUNKIRK, MD 20754-2705 |
| Document Number | 0005313448 |
|---|---|
| Date | Feb 01, 2019 |
| Instrument | 5313/448 |
| Name | FINANCIAL FREEDOM MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2049 |
Source: Calvert County records · Assessment roll updated July 28, 2026 · Last verified August 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 |
|---|---|---|---|
| 2026 | $467,967 (+1.93%) | $485,700 (+5.79%) Land $175,900 Building $309,800 | |
| 2025 | $5,176.00 (+19.13%) | $459,100 (+9.77%) Land $175,900 Building $283,200 | $459,100 (-) Land $175,900 Building $283,200 |
| 2023 | $4,345.00 | $418,233 | $459,100 Land $175,900 Building $283,200 |
Source: FEMA National Flood Hazard Layer, Calvert County (24009C), updated April 18, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 3,704 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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