11631 Rivershore Dr, Dunkirk, MD 20754 Property Records

Calvert County property record for 11631 Rivershore Dr, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,300 sqft · built 1974
Lot Size	0.592 acres (25,787 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Jan 2017)
Tax Bill	$4,836 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jan 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-034518`

Property Details

APN / Parcel Number

Primary APN	`03-034518`
Alternative APNs	`3034518` `034518`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,300 sqft Total Area
Basement Area	1,105 sqft
Finished Basement	1,105 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Split Foyer
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	25,787 sqft (0.592 acres)
Garage Type	Attached
Garage Area	494 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool Type
Pool Area	578 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	034518
Street Address	11631 RIVERSHORE DR
City	DUNKIRK
State	MD
Zip	20754-9448
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 34 BLK E SEC 3 SHORES OF CALVERT
Legal Subdivision	SHORES OF CALVERT
Legal Block	E
Legal Lot Number	34
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	3
Census Block	3002
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	Individual Name on Record
Mailing Address	11631 RIVERSHORE DR, DUNKIRK, MD 20754-9448
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jan 19, 2017	Deed, Transfer · Conventional Mortgage DIVERSIFIED FINANCIAL MORTGAGE CORP
Dec 28, 2016	Deed of Trust, Mortgage DIVERSIFIED FIN'L MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 19, 2017 · Amount on Record
Deed Sale	Jan 19, 2017 · Amount on Record
Prior Sale	Jul 1, 2009 · Amount on Record
Deed Book / Page	4928 / 365
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	11631 RIVERSHORE DR, DUNKIRK, MD 20754-9448
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11631 RIVERSHORE DR, DUNKIRK, MD 20754-9448

Mortgage

Document Number	0057940170
Date	Dec 15, 2020
Book Page	5794/170

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

January 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Jan 19, 2017
Property Address	11631 RIVERSHORE DR, DUNKIRK, MD 20754-9448
Document Number	0049280365
Book / Page	4928 / 365
Map Reference	MB JLB2 PL128
Instrument Date	Dec 28, 2016
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	OLDE TOWNE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11631 RIVERSHORE DR, DUNKIRK, MD 20754-9448

Mortgage

Document Number	0004928368
Date	Jan 19, 2017
Instrument	4928/368

Lender

Name	DIVERSIFIED FINANCIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

Interest

Change Frequency	Annually

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	11631 RIVERSHORE DR, DUNKIRK, MD 20754-9448
Document Number	0049940253
Instrument Date	Dec 28, 2016
Transaction Type	Mortgage
Record Updated	Aug 21, 2017
Title Company	OLDE STONE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11631 RIVERSHORE DR DUNKIRK MD 207549448, DUNKIRK, MD 20754-9448

Mortgage

Document Number	0049940253
Date	May 17, 2017
Book Page	004994/000253

Lender

Name	DIVERSIFIED FIN'L MTG
Type	Funding / Finance Company
Address	ROCKVILLE, MD 20850

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 16, 2047

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		$447,800 (+14.33%)	$477,000 (+10.11%) Land $146,500 Building $330,500
2025	$4,836.00 (+18.85%)
2023	$4,069.00 Homeowner's exemption	$391,667	$433,200 Land $146,500 Building $286,700

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	4 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	0.02% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SHORES OF CALVERT serves 361 people · EPA ID MD0040015
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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