12450 White Oak Ct, Dunkirk, MD 20754 Property Records

Calvert County property record for 12450 White Oak Ct, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,022 sqft · built 1986
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on File
Last Sale	$635,000 (Feb 2022)
Tax Bill	$5,161 (2023)
Deeds & Mortgages	Dec 2023 Mortgage Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-109917`

Property Details

APN / Parcel Number

Primary APN	`03-109917`
Alternative APNs	`3109917` `109917`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,022 sqft Total Area
1st Floor Area	2,022 sqft
Basement Area	1,011 sqft
Finished Basement	1,011 sqft
Fireplaces	2 Fireplaces
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	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	80 sqft
Deck Area	432 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	109917
Old Parcel Number	3109917
Street Address	12450 WHITE OAK CT
City	DUNKIRK
State	MD
Zip	20754-9676
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LT 14 PLAT 2 CALVERT ESTS
Legal Subdivision	CALVERT ESTATES
Legal Lot Number	14
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	3
Census Block	3000
Census Tract	860103

Owner

Source: Calvert County assessment roll, as of July 1, 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	12450 WHITE OAK CT, DUNKIRK, MD 20754-9676
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2023	Deed of Trust, Mortgage MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Feb 28, 2022	Deed, Transfer · Conventional Mortgage THRIVE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 28, 2022 · Amount on Record
Deed Sale	Feb 28, 2022 · Amount on Record
Prior Sale	Nov 13, 2001
Deed Document Number	0006229133
Deed Book / Page	6229 / 133
Record Updated	Jun 7, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12450 WHITE OAK CT, DUNKIRK, MD 20754-9676
Transaction Type	Mortgage
Record Updated	Jan 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0065180362
Date	Dec 28, 2023
Book Page	6518/362

Lender

Name	MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Type	Government Agency
Address	LANHAM, MD 20706

Agreement

Amount	Amount Recorded

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Feb 28, 2022
Property Address	12450 WHITE OAK CT, DUNKIRK, MD 20754-9676
Document Number	0062290133
Book / Page	6229 / 133
Map Reference	MB ABE 1 PG 376
Instrument Date	Feb 14, 2022
Transaction Type	Transfer
Record Updated	Mar 10, 2022
Title Company	ARMOUR SETTLEMENT SERVICES LLC, ARMOUR SETTLEMENT SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,175.00
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	12450 WHITE OAK CT, DUNKIRK, MD 20754-9676

Mortgage

Document Number	0006229140
Date	Feb 28, 2022
Instrument	6229/140

Lender

Name	THRIVE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 1, 2023

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
2023	$5,161.00	$496,800	$609,600 Land $215,000 Building $394,600

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 at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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