12675 Twin Lakes Dr, Dunkirk, MD 20754 Property Records

Calvert County property record for 12675 Twin Lakes Dr, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	6 ba · 5,332 sqft · built 2020
Lot Size	1.54 acres (67,082 sqft)
Owner	2 Individual Names on File
Last Sale	$823,012 (May 2020)
Tax Bill	$9,147 (2023)
Deeds & Mortgages	May 2020 Sale & Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-253276`

Property Details

APN / Parcel Number

Primary APN	`03-253276`
Alternative APN	`253276`

Interior

Full Baths	6 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,332 sqft Total Area
Basement Area	1,092 sqft
Finished Basement	1,092 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Exterior Material	Stone
Roof Material	Composition Shingle
Lot Area	67,082 sqft (1.54 acres)
Garage Type	Mixed
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	800 sqft
Porch	Open Porch
Porch Area	572 sqft
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	253276
Street Address	12675 TWIN LAKES DR
City	DUNKIRK
State	MD
Zip	20754-2820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	LT 12 PLAT 3 LAKES AT TWIN SHIELDS
Legal Subdivision	LAKES/TWIN SHIELDS
Legal Lot Number	12
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2000
Census Tract	860103

Owner

12675 Twin Lakes Dr is owned and occupied by two individuals who bought it in May 2020.

Source: Calvert County records, as of September 18, 2023

Owner of Record	2 Individual Names on File
Mailing Address	12675 TWIN LAKES DR, DUNKIRK, MD 20754-2820
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
May 19, 2020	Grant Deed, Subdivision Related Transfer · Conventional Mortgage PRIME LNDG
May 15, 2020	Deed of Trust, Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2020 · Amount on File
Deed Sale	May 19, 2020 · Amount on File
Deed Document Number	0005593550
Deed Book / Page	5593 / 550
Record Updated	Jun 7, 2026

May 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	May 19, 2020
Property Address	12675 TWIN LAKES DR, DUNKIRK, MD 20754-2820
Document Number	0055930550
Book / Page	005593 / 000550
Instrument Date	May 15, 2020
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 2, 2020
Title Company	NTC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$823.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12675 TWIN LAKES DR DUNKIRK MD 207542820, DUNKIRK, MD 20754-2820

Mortgage

Document Number	55930558
Date	May 19, 2020
Book Page	005593/000558

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 18, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12675 TWIN LAKES DR, DUNKIRK, MD 20754-2820
Document Number	0055930558
Instrument Date	May 15, 2020
Transaction Type	Mortgage
Record Updated	May 28, 2020
Title Company	NTC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12675 TWIN LAKES DR DUNKIRK MD 207542820, DUNKIRK, MD 20754-2820

Mortgage

Document Number	0055930558
Date	May 19, 2020
Book Page	005593/000558

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 18, 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	$9,147.00 Homeowner's exemption	$905,733	$1,116,400 Land $200,400 Building $916,000

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

Flood

FEMA maps place 12675 Twin Lakes Dr 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 12675 Twin Lakes Dr 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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