12692 Legacy Dr, Dunkirk, MD 20754 Property Records

Calvert County property record for 12692 Legacy Dr, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	4 ba · 4,398 sqft · built 2018
Lot Size	1.41 acres (61,420 sqft)
Owner	2 Individual Names on File
Last Sale	$825,000 (Apr 2020)
Tax Bill	$8,548 (2023)
Deeds & Mortgages	Oct 2019 Mortgage Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-253313`

Property Details

APN / Parcel Number

Primary APN	`03-253313`
Alternative APN	`253313`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,398 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Stone
Roof Material	Composition Shingle
Lot Area	61,420 sqft (1.41 acres)
Garage Type	Mixed
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	240 sqft
Deck Area	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	253313
Street Address	12692 LEGACY DR
City	DUNKIRK
State	MD
Zip	20754-2814
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	LT 44 PLAT 9 LAKES AT TWIN SHIELDS
Legal Subdivision	LAKES/TWIN SHIELDS
Legal Lot Number	44
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2000
Census Tract	860103

Owner

12692 Legacy Dr is owned and occupied by two individuals who bought it in April 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	12692 LEGACY DR, DUNKIRK, MD 20754-2814
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
Oct 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC
Apr 10, 2020	Grant Deed, Transfer · VA Mortgage NAVY FCU
Jan 16, 2019	Deed, Subdivision Related Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2020 · Amount on File
Deed Sale	Apr 10, 2020 · Amount on File
Prior Sale	Jan 16, 2019 · Amount on File
Deed Document Number	0005564116
Deed Book / Page	5564 / 116
Record Updated	Jun 7, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12692 LEGACY DR, DUNKIRK, MD 20754-2814
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	MARYLAND TRUST T&E LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054580468
Date	Oct 22, 2019
Book Page	5458/468

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Lending Institution
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Apr 10, 2020
Property Address	12692 LEGACY DR, DUNKIRK, MD 20754-2814
Document Number	0055640116
Book / Page	005564 / 000116
Instrument Date	Apr 3, 2020
Transaction Type	Transfer
Record Updated	May 26, 2020
Title Company	CAPITOL TITLE GROUP

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
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	12692 LEGACY DR DUNKIRK MD 207542814, DUNKIRK, MD 20754-2814

Mortgage

Document Number	55640124
Date	Apr 10, 2020
Book Page	005564/000124

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 9, 2050

January 2019: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Jan 16, 2019
Property Address	12692 LEGACY DR, DUNKIRK, MD 20754-2814
Document Number	0053070495
Book / Page	5307 / 495
Map Reference	MB KPS 5 PL 212
Instrument Date	Dec 21, 2018
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2022
Title Company	TITLEMAX LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,990.98
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12692 LEGACY DR, DUNKIRK, MD 20754-2814

Mortgage

Document Number	0005307505
Date	Jan 16, 2019
Instrument	5307/505

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

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	$8,548.00 Homeowner's exemption	$822,800	$949,400 Land $199,100 Building $750,300

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

Flood

FEMA maps place 12692 Legacy 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 12692 Legacy Dr is low, with a 0.02% 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 51 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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