11945 Luray Ln, Dunkirk, MD 20754 Property Records

Calvert County property record for 11945 Luray Ln, Dunkirk, MD 20754 · Last verified September 2023

Property Summary

Property Type	Single Family Home
Details	5 ba · 4,104 sqft · built 2001
Lot Size	5.15 acres (224,770 sqft)
Owner	Individual Name on File
Last Sale	$800,000 (Oct 2020)
Tax Bill	$7,082 (2023)
Deeds & Mortgages	Dec 2022 Line of Credit Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-169278`

Property Details

APN / Parcel Number

Primary APN	`03-169278`
Alternative APNs	`3169278` `169278`

Interior

Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,104 sqft Total Area
1st Floor Area	2,266 sqft
Basement Area	1,382 sqft
Finished Basement	1,382 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Architectural Style	Conventional
Exterior Material	Siding
Construction Type	Wood Frame
Roof Material	Composition Shingle
Lot Area	224,770 sqft (5.15 acres)
Garage Type	Built-in
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	840 sqft
Porch	Open Porch
Porch Area	376 sqft
Deck Area	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	169278
Old Parcel Number	3169278
Street Address	11945 LURAY LN
City	DUNKIRK
State	MD
Zip	20754-2915
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 11 RAY FIELDS
Legal Subdivision	RAY FIELDS
Legal Lot Number	11
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	3
Census Block	3002
Census Tract	860103

Owner

Source: Calvert County records · APN 03-169278

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	11945 LURAY LN, DUNKIRK, MD 20754-2915
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 09, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Oct 20, 2020	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 20, 2020 · Amount on Record
Deed Sale	Oct 20, 2020 · Amount on Record
Prior Sale	May 23, 2001 · Amount on Record
Deed Document Number	0005735189
Deed Book / Page	5735 / 189
Record Updated	Jun 07, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	11945 LURAY LN, DUNKIRK, MD 20754-2915
Transaction Type	Mortgage
Record Updated	Dec 22, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11945 LURAY LN, DUNKIRK, MD 20754-2915

Mortgage

Document Number	0063800052
Date	Dec 09, 2022
Book Page	6380/52

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 22, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Oct 20, 2020
Property Address	11945 LURAY LN, DUNKIRK, MD 20754-2915
Document Number	0057350189
Book / Page	5735 / 189
Map Reference	MB KPS 1 PG 57
Instrument Date	Oct 08, 2020
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	MARYLAND TRUST T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11945 LURAY LN, DUNKIRK, MD 20754-2915

Mortgage

Document Number	0005735198
Date	Oct 20, 2020
Instrument	5735/198

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

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	$7,082.00	$681,700	$858,300 Land $200,800 Building $657,500

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 240098601033, 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	4 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 5,000 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 135 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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