11965 Luray Ln, Dunkirk, MD 20754 Property Records

Calvert County property record for 11965 Luray Ln, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,512 sqft · built 2000
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$535,000 (Jun 2023)
Tax Bill	$4,621 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-169243`

Property Details

APN / Parcel Number

Primary APN	`03-169243`
Alternative APNs	`3169243` `169243`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,512 sqft Total Area
Basement Area	756 sqft
Finished Basement	756 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	156 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	169243
Street Address	11965 LURAY LN
City	DUNKIRK
State	MD
Zip	20754-2915
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	LT 9 RAY FIELDS
Legal Subdivision	RAY FIELDS SUBDIVISION
Legal Lot Number	9
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 December 2, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	11965 LURAY LN, DUNKIRK, MD 20754-2915
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2023	Deed, Transfer · Conventional Mortgage PRECISION MORTGAGE LLC
May 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY
May 8, 2019	Grant Deed, Transfer TITLEMAX CORPORATION, TITLEMAX CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2023 · Amount on Record
Deed Sale	Jun 26, 2023 · Amount on Record
Prior Sale	Dec 19, 2012 · Amount on Record
Deed Book / Page	6450 / 90
Prior Transfer Date	Apr 29, 2019
Prior Transfer Doc	0053560434
Record Updated	Jun 8, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Jun 26, 2023
Property Address	11965 LURAY LN, DUNKIRK, MD 20754-2915
Document Number	0064500090
Book / Page	6450 / 90
Map Reference	MB KPS 1 PG 57
Instrument Date	Jun 20, 2023
Transaction Type	Transfer
Record Updated	Jul 10, 2023
Title Company	NORTH FRONTIER TITLE & ESCROW LLC, NORTH FRONTIER T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,337.50
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 in Severalty
Address	11965 LURAY LN, DUNKIRK, MD 20754-2915

Mortgage

Document Number	0000645098
Date	Jun 26, 2023
Instrument	6450/98

Lender

Name	PRECISION MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	11965 LURAY LN, DUNKIRK, MD 20754-2915
Document Number	0053880252
Instrument Date	May 20, 2019
Transaction Type	Mortgage
Record Updated	Jul 19, 2019
Title Company	IMORTGAGE SERVICES LLC, IMORTGAGE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11965 LURAY LN DUNKIRK MD 207542915, DUNKIRK, MD 20754-2915

Mortgage

Document Number	0053880252
Date	Jul 8, 2019
Book Page	005388/000252

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	7901 SANDY SPRING RD, LAUREL, MD 20707-3589

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 7, 2034

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	May 8, 2019
Property Address	11965 LURAY LN, DUNKIRK, MD 20754-2915
Document Number	0053560434
Book / Page	005356 / 000434
Instrument Date	Apr 29, 2019
Transaction Type	Transfer
Record Updated	May 21, 2019
Title Company	TITLEMAX CORPORATION, TITLEMAX CORP

Transaction

Amount	Amount Recorded
Tax	$345.00
Amount Accuracy	Confirmed
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11965 LURAY LN DUNKIRK MD 207542915, DUNKIRK, MD 20754-2915

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 29, 2025

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
2025	$4,621.00 (+21.51%) Homeowner's exemption	$407,700 (+11.38%) Land $170,000 Building $237,700	$407,700 (-) Land $170,000 Building $237,700
2023	$3,803.00 (+6.05%)	$366,033 (+6.04%)	$407,700 (+18.11%) Land $170,000 Building $237,700
2022	$3,586.00	$345,200 Land $170,000 Building $175,200	$345,200 Land $170,000 Building $175,200

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 135 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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