12475 White Oak Ct, Dunkirk, MD 20754 Property Records

Calvert County property record for 12475 White Oak Ct, Dunkirk, MD 20754 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	3.5 Baths
Year Built	Built 1986
Square Footage	2,520 sqft Total Area
Lot Size	43,560 sqft (1 acres)
Garage	Attached, 528 sqft
Occupancy	Owner Occupied
Last Sale	$650,000 (2023)
Tax Bill	$6,486.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`03-109852`
Alternative APNs	`3109852` `109852`

Interior

Full Baths	3.5 Baths
Partial Baths	1 Partial Baths
Building Area	2,520 sqft Total Area
Basement Area	1,071 sqft Basement
Finished Basement	1,071 sqft Finished
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Siding Exterior
Roof Material	Composition Shingle Roof
Lot Area	43,560 sqft (1 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	528 sqft Garage
Deck Area	224 sqft Deck
Porch Area	252 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating
Sewage	Sewage Connected

Location & Zoning

Account Number	109852
Street Address	12475 WHITE OAK CT
City	DUNKIRK
State	MD
Zip	20754-9677
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LT 9 PLAT 1 CALVERT ESTS
Legal Subdivision	PLAT 1 CALVERT ESTATES
Legal Lot Number	9
Jurisdiction	CALVERT MD
Minor Civil Division	3, SUNDERLAND
Census Blockgroup	3
Census Block	3000
Census Tract	860103

Owner

Source: Calvert County records · APN 03-109852

Assessment roll updated July 29, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	12475 WHITE OAK CT, DUNKIRK, MD 20754-9677
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 08, 2023 · Amount on Record
Deed Sale	Jun 08, 2023 · Amount on Record
Prior Sale	Apr 22, 2015 · Amount on Record
Deed Book / Page	6443 / 513
Prior Transfer Date	Apr 25, 2006
Prior Transfer Doc	KPS027670708
Record Refreshed	Jun 08, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Jun 08, 2023
Property Address	12475 WHITE OAK CT, DUNKIRK, MD 20754-9677
Document Number	0064430513
Book / Page	6443 / 513
Map Reference	LB ABE 1 FO 375
Instrument Date	May 06, 2023
Transaction Type	Transfer
Record Updated	Jun 21, 2023
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,625.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenant By Entirety
Address	12475 WHITE OAK CT, DUNKIRK, MD 20754-9677

Mortgage

Document Number	0006443520
Date	Jun 08, 2023
Instrument	6443/520

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 01, 2043

Tax Assessment & Valuation

Source: Calvert County records · Assessment roll updated July 29, 2025 · Last verified April 2026

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
2025	$6,486.00 (+18.97%) Homeowner's exemption	$580,500 (+10.62%) Land $195,000 Building $385,500	$580,500 (-) Land $195,000 Building $385,500
2023	$5,452.00	$524,767	$580,500 Land $195,000 Building $385,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Calvert County (24009C), updated April 18, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

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; lenders make the official flood determination.