12712 Legacy Dr, Dunkirk, MD 20754 Property Records

Calvert County property record for 12712 Legacy Dr, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	4 ba · 4,660 sqft · built 2018
Lot Size	1.42 acres (61,855 sqft)
Owner	2 Individual Names on File
Last Sale	$820,638 (Jun 2018)
Tax Bill	$9,471 (2023)
Deeds & Mortgages	Oct 2020 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-253311`

Property Details

APN / Parcel Number

Primary APN	`03-253311`
Alternative APN	`253311`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,660 sqft Total Area
Basement Area	1,941 sqft
Finished Basement	1,941 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Stone
Roof Material	Composition Shingle
Lot Area	61,855 sqft (1.42 acres)
Garage Type	Built-in
Garage Area	532 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	214 sqft
Deck Area	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	253311
Street Address	12712 LEGACY DR
City	DUNKIRK
State	MD
Zip	20754-2815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	LT 42 PLAT 9 LAKES AT TWIN SHIELDS
Legal Subdivision	LAKES AT TWIN SHIELDS
Legal Lot Number	42
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2000
Census Tract	860103

Owner

Source: Calvert County records · APN 03-253311

Assessment roll updated July 1, 2023 · Last verified September 2023

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	12712 LEGACY DR, DUNKIRK, MD 20754-2815
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2020	Deed of Trust, Mortgage · VA Mortgage BNC NATIONAL BANK
Feb 07, 2020	Deed of Trust, Mortgage · VA Mortgage BNC NATIONAL BANK
Jun 28, 2018	Grant Deed, Transfer · VA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 28, 2018 · Amount on Record
Deed Sale	Jun 28, 2018 · Amount on Record
Deed Document Number	0000521348
Deed Book / Page	5213 / 48
Record Updated	Jun 07, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12712 LEGACY DR, DUNKIRK, MD 20754-2815
Transaction Type	Mortgage
Record Updated	May 02, 2022
Title Company	SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12712 LEGACY DR, DUNKIRK, MD 20754-2815

Mortgage

Document Number	0057370185
Date	Oct 21, 2020
Book Page	5737/185

Lender

Name	BNC NATIONAL BANK
Type	Bank
Address	GLENDALE, AZ 85308

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12712 LEGACY DR, DUNKIRK, MD 20754-2815
Transaction Type	Mortgage
Record Updated	May 02, 2022
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055260004
Date	Feb 07, 2020
Book Page	5526/004

Lender

Name	BNC NATIONAL BANK
Type	Bank
Address	GLENDALE, AZ 85308

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2050

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Jun 28, 2018
Property Address	12712 LEGACY DR, DUNKIRK, MD 20754-2815
Document Number	0052130048
Book / Page	005213 / 000048
Instrument Date	Jun 22, 2018
Transaction Type	Transfer
Record Updated	Feb 12, 2019
Title Company	NATIONWIDE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$820.64
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	12712 LEGACY DR DUNKIRK MD 207542815, DUNKIRK, MD 20754-2815

Mortgage

Document Number	52130057
Date	Jun 28, 2018
Book Page	005213/000057

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 27, 2048

Tax Assessment & Valuation

Source: Calvert County records · Assessment roll updated July 1, 2023 · Last verified September 2023

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
2023	$9,471.00 Homeowner's exemption	$911,633	$1,056,300 Land $199,200 Building $857,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 18, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Verizon.

Based on FCC filings for 51 locations within half a mile of this property.

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