12731 Legacy Dr, Dunkirk, MD 20754 Property Records

Calvert County property record for 12731 Legacy Dr, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	5 ba · 4,561 sqft · built 2020
Lot Size	1.35 acres (58,806 sqft)
Owner	2 Individual Names on Record
Last Sale	$837,065 (Feb 2020)
Tax Bill	$9,242 (2023)
Deeds & Mortgages	Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-253302`

Property Details

APN / Parcel Number

Primary APN	`03-253302`
Alternative APN	`253302`

Interior

Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,561 sqft Total Area
Basement Area	1,037 sqft
Finished Basement	1,037 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Exterior Material	Stone
Roof Material	Composition Shingle
Lot Area	58,806 sqft (1.35 acres)
Garage Type	Built-in
Garage Area	736 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	60 sqft
Deck Area	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	253302
Street Address	12731 LEGACY DR
City	DUNKIRK
State	MD
Zip	20754-2816
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	LT 33 PLAT 7 LAKES AT TWIN SHIELDS
Legal Subdivision	LAKES/TWIN SHIELDS 7
Legal Lot Number	33
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	2 Individual Names on Record
Mailing Address	12731 LEGACY DR, DUNKIRK, MD 20754-2816
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2020 · Amount on Record
Deed Sale	Feb 14, 2020 · Amount on Record
Deed Document Number	0005530471
Deed Book / Page	5530 / 471
Record Updated	Jun 7, 2026

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Feb 14, 2020
Property Address	12731 LEGACY DR, DUNKIRK, MD 20754-2816
Document Number	0055300471
Book / Page	005530 / 000471
Instrument Date	Jan 28, 2020
Transaction Type	Transfer
Record Updated	Mar 5, 2020
Title Company	MARYLAND TRUST TITLE AND ESCROW LLC, MARYLAND TR TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$837.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12731 LEGACY DR DUNKIRK MD 207542816, DUNKIRK, MD 20754-2816

Mortgage

Document Number	55300480
Date	Feb 14, 2020
Book Page	005530/000480

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 13, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.87%

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	$9,242.00	$889,533	$1,004,600 Land $198,500 Building $806,100

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 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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