12620 Vigilant Ct, Dunkirk, MD 20754 Property Records

Calvert County property record for 12620 Vigilant Ct, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	6 ba · 2,528 sqft · built 1984
Lot Size	4.28 acres (186,437 sqft)
Owner	Individual Name on Record
Last Sale	$660,000 (Dec 2020)
Deeds & Mortgages	May 2023 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-095665`

Property Details

APN / Parcel Number

Primary APN	`03-095665`
Alternative APNs	`3095665` `095665`

Interior

Full Baths	6 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,528 sqft Total Area
1st Floor Area	2,680 sqft
Basement Area	1,030 sqft
Finished Basement	1,030 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	186,437 sqft (4.28 acres)
Garage Type	Attached
Garage Area	619 sqft
Parking Spaces	2 Parking Spaces
Pool Area	792 sqft
Deck Area	102 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	095665
Old Parcel Number	3095665
Street Address	12620 VIGILANT CT
City	DUNKIRK
State	MD
Zip	20754-9760
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LT 52 PLAT 1 LYONS CREEK HUNDRED
Legal Subdivision	LYONS CREEK
Legal Lot Number	52
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2000
Census Tract	860103

Owner

Source: Calvert County records, as of September 18, 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 Record
Mailing Address	12620 VIGILANT CT, DUNKIRK, MD 20754-9760
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2023	Deed of Trust, Mortgage · Line of Credit EDUCATIONAL SYSTEMS FCU
Dec 9, 2020	Deed, Transfer · VA Mortgage BAY CAPITAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2020 · Amount on Record
Deed Sale	Dec 9, 2020 · Amount on Record
Deed Document Number	0005787200
Deed Book / Page	5787 / 200
Record Updated	Jun 7, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12620 VIGILANT CT, DUNKIRK, MD 20754-9760
Transaction Type	Mortgage
Record Updated	Jun 2, 2023
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS IN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0064340207
Date	May 17, 2023
Book Page	6434/207

Lender

Name	EDUCATIONAL SYSTEMS FCU
Type	Credit Union
Address	GREENBELT, MD 20770

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 16, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Dec 9, 2020
Property Address	12620 VIGILANT CT, DUNKIRK, MD 20754-9760
Document Number	0057870200
Book / Page	5787 / 200
Map Reference	MB ABE 1 PL 81
Instrument Date	Nov 16, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	HOME FIRST TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,300.00
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 in Severalty
Address	12620 VIGILANT CT, DUNKIRK, MD 20754-9760

Mortgage

Document Number	0057870207
Date	Dec 9, 2020
Book Page	5787/207

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company
Address	ANNAPOLIS, MD 21401

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

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	Disabled Person's exemption Veteran's exemption	$646,233	$742,900 Land $221,400 Building $521,500

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
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2018 · rainfall accumulation

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	0.03% 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 44 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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