12440 White Oak Ct, Dunkirk, MD 20754 Property Records

Calvert County property record for 12440 White Oak Ct, Dunkirk, MD 20754 · Last verified September 2023

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,156 sqft · built 1986
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (Sep 2022)
Tax Bill	$4,811 (2023)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-109909`

Property Details

APN / Parcel Number

Primary APN	`03-109909`
Alternative APNs	`3109909` `109909`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,156 sqft Total Area
1st Floor Area	1,892 sqft
Basement Area	946 sqft
Finished Basement	946 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Architectural Style	Conventional
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	130,680 sqft (3 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	264 sqft
Deck Area	204 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	109909
Old Parcel Number	3109909
Street Address	12440 WHITE OAK CT
City	DUNKIRK
State	MD
Zip	20754-9676
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 13 PLAT 2 CALVERT ESTS
Legal Subdivision	CALVERT ESTATES
Legal Lot Number	13
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	3
Census Block	3000
Census Tract	860103

Owner

Source: Calvert County records · APN 03-109909

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
Mailing Address	12440 WHITE OAK CT, DUNKIRK, MD 20754-9676
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 30, 2022 · Amount on Record
Deed Sale	Sep 30, 2022 · Amount on Record
Deed Document Number	0006351521
Deed Book / Page	6351 / 521
Record Updated	Jun 07, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Sep 30, 2022
Property Address	12440 WHITE OAK CT, DUNKIRK, MD 20754-9676
Document Number	0063510521
Book / Page	6351 / 521
Map Reference	MB ABE 1 PG 376
Instrument Date	Sep 27, 2022
Transaction Type	Transfer
Record Updated	Oct 12, 2022
Title Company	BUYERS TITLE, BUYERS TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006351525
Date	Sep 30, 2022
Instrument	6351/525

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2052

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	$4,811.00	$463,133	$504,400 Land $215,000 Building $289,400

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 75 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
T-Mobile USA	Fixed Wireless	100 / 20

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