12650 Vigilant Ct, Dunkirk, MD 20754 Property Records

Calvert County property record for 12650 Vigilant Ct, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,634 sqft · built 1981
Lot Size	3.51 acres (152,896 sqft)
Owner	Individual Name on File
Last Sale	$525,000 (Sep 2008)
Tax Bill	$5,921 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-093239`

Property Details

APN / Parcel Number

Primary APN	`03-093239`
Alternative APNs	`3093239` `093239`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	2,634 sqft Total Area
Basement Area	1,847 sqft
Finished Basement	1,847 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	152,896 sqft (3.51 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Pool Area	512 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	093239
Street Address	12650 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 53 PLAT 1 LYONS CREEK HUNDRED
Legal Subdivision	LYONS CREEK
Legal Lot Number	53
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2000
Census Tract	860103

Owner

12650 Vigilant Ct is owned and occupied by an individual who acquired it in November 2010.

Source: Calvert County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	12650 VIGILANT CT, DUNKIRK, MD 20754-9760
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Deed of Trust, Mortgage · Line of Credit SHORE UNITED BANK
Jul 19, 2017	Deed of Trust, Mortgage · Line of Credit COMMUNITY BK/CHESAPEAKE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2008 · Amount on File
Deed Sale	Sep 10, 2008 · Amount on File
Prior Sale	Jun 25, 1991 · Amount on File
Deed Document Number	200890495
Deed Book / Page	3198 / 572
Last Transfer Date	Nov 9, 2010
Transfer Doc	0036090383
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Recording Date	Apr 6, 2026
Property Address	12650 VIGILANT CT, DUNKIRK, MD 20754-9760
Document Number	6880000071
Book / Page	6880 / 71
Instrument Date	Mar 31, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12650 VIGILANT CT, DUNKIRK, MD 20754-9760

Mortgage

Document Number	6880000071,
Date	Apr 6, 2026
Book Page	6880/71

Lender

Name	SHORE UNITED BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12650 VIGILANT CT, DUNKIRK, MD 20754-9760
Document Number	0005040069
Book / Page	000504 / 000069
Instrument Date	Jul 19, 2017
Transaction Type	Mortgage
Record Updated	Sep 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12650 VIGILANT CT DUNKIRK MD 207549760, DUNKIRK, MD 20754-9760

Mortgage

Document Number	0005040069
Date	Aug 7, 2017
Book Page	000504/000069

Lender

Name	COMMUNITY BK/CHESAPEAKE
Type	Bank
Address	WALDORF, MD 20601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 6, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 12650 Vigilant Ct was $5,921 with a homeowner's exemption.

Source: Calvert County assessment roll, as of July 28, 2026

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
2026		$559,267 (+5.88%)	$621,400 (+17.64%) Land $217,500 Building $403,900
2025	$5,921.00 Homeowner's exemption	$528,200 Land $217,500 Building $310,700	$528,200 Land $217,500 Building $310,700
2023	$4,949.00 Homeowner's exemption	$476,333	$528,200 Land $217,500 Building $310,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12650 Vigilant Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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

Wildfire risk around 12650 Vigilant Ct is low, with a 0.03% annual chance of 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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