11812 Rivershore Dr, Dunkirk, MD 20754 Property Records

Calvert County property record for 11812 Rivershore Dr, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,016 sqft · built 1980
Lot Size	1.11 acres (48,352 sqft)
Owner	2 Individual Names on File
Last Sale	$502,500 (May 2023)
Tax Bill	$5,352 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-035522`

Property Details

APN / Parcel Number

Primary APN	`03-035522`
Alternative APNs	`3035522` `035522`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,016 sqft Total Area
Basement Area	656 sqft
Finished Basement	656 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Split Foyer
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	48,352 sqft (1.11 acres)
Garage Type	Basement
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces
Deck Area	286 sqft
Patio Area	190 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	035522
Street Address	11812 RIVERSHORE DR
City	DUNKIRK
State	MD
Zip	20754-9440
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 17 BLK A SEC 1 SHORES OF CALVERT
Legal Subdivision	SHORES OF CALVERT SUBDIVISION
Legal Block	A
Legal Lot Number	17
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	3
Census Block	3002
Census Tract	860103

Owner

11812 Rivershore Dr is owned and occupied by two individuals who bought it in May 2023.

Source: Calvert County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11812 RIVERSHORE DR, DUNKIRK, MD 20754-9440
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 8, 2023	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 21, 2020	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2023 · Amount on File
Deed Sale	May 8, 2023 · Amount on File
Prior Sale	May 5, 2016 · Amount on File
Deed Book / Page	6431 / 230
Record Updated	Oct 29, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	May 8, 2023
Property Address	11812 RIVERSHORE DR, DUNKIRK, MD 20754-9440
Document Number	0064310230
Book / Page	6431 / 230
Map Reference	MB 2 PL 85
Instrument Date	May 4, 2023
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	ATG TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,256.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11812 RIVERSHORE DR, DUNKIRK, MD 20754-9440

Mortgage

Document Number	0006431237
Date	May 8, 2023
Instrument	6431/237

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	11812 RIVERSHORE DR, DUNKIRK, MD 20754-9440
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TRUST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056740282
Date	Aug 21, 2020
Book Page	5674/282

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 11812 Rivershore Dr was $5,352 with a homeowner's exemption.

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		$496,433	$527,300 Land $171,100 Building $356,200
2025	$5,352.00
2023	$4,535.00	$436,533	$481,000 Land $171,100 Building $309,900

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

Flood

FEMA maps place 11812 Rivershore Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 11812 Rivershore Dr is low, with a 0.02% annual chance of 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Rivershore Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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