12732 Legacy Dr, Dunkirk, MD 20754 Property Records

Calvert County property record for 12732 Legacy Dr, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 4,180 sqft · built 2019
Lot Size	1.14 acres (49,658 sqft)
Owner	Individual Name on Record
Last Sale	$1,075,000 (Jun 2026)
Tax Bill	$9,998 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-253305`

Property Details

APN / Parcel Number

Primary APN	`03-253305`
Alternative APN	`253305`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,180 sqft Total Area
Basement Area	1,668 sqft
Finished Basement	1,668 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stone
Roof Material	Composition Shingle
Lot Area	49,658 sqft (1.14 acres)
Garage Type	Attached
Garage Area	286 sqft
Parking Spaces	1 Parking Space
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	253305
Street Address	12732 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 40 PLAT 7 LAKES AT TWIN SHIELDS
Legal Subdivision	PLAT SEVEN THE LAKES AT TWIN SHIELDS
Legal Lot Number	40
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 June 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	12732 LEGACY DR, DUNKIRK, MD 20754-2815
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2026	Deed, Transfer · Conventional Mortgage TRUST BANK
Nov 13, 2019	Quit Claim Deed, Transfer · VA Mortgage MR COOPER
Feb 1, 2019	Grant Deed, Subdivision Related Transfer · VA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2026 · Amount on Record
Deed Sale	Jun 18, 2026 · Amount on Record
Prior Sale	Nov 13, 2019
Deed Book / Page	6921 / 178
Prior Transfer Date	Oct 31, 2019
Prior Transfer Doc	0054720001
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Jun 18, 2026
Property Address	12732 LEGACY DR, DUNKIRK, MD 20754-2815
Document Number	6921000178
Book / Page	6921 / 178
Instrument Date	Jun 12, 2026
Transaction Type	Transfer
Record Updated	Jun 26, 2026
Title Company	TITLE FAX, TITLEMAX

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,085,750.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12732 LEGACY DR, DUNKIRK, MD 20754-2815
Investor	Possibly a Property Investor

Mortgage

Document Number	6921000185,
Date	Jun 18, 2026
Book Page	6921/185

Lender

Name	TRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CALVERT MD
Recording Date	Nov 13, 2019
Property Address	12732 LEGACY DR, DUNKIRK, MD 20754-2815
Document Number	0054720001
Book / Page	005472 / 000001
Instrument Date	Oct 31, 2019
Transaction Type	Transfer
Record Updated	Nov 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12732 LEGACY DR DUNKIRK MD 207542815, DUNKIRK, MD 20754-2815

Mortgage

Document Number	54720007
Date	Nov 13, 2019
Book Page	005472/000007

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2049

February 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Feb 1, 2019
Property Address	12732 LEGACY DR, DUNKIRK, MD 20754-2815
Document Number	0053130290
Book / Page	005313 / 000290
Instrument Date	Jan 25, 2019
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 15, 2019
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$730.44
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	12732 LEGACY DR DUNKIRK MD 207542815, DUNKIRK, MD 20754-2815

Mortgage

Document Number	53130299
Date	Feb 1, 2019
Book Page	005313/000299

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 31, 2049

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 29, 2025

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
2025	$9,998.00 (+22.22%)	$906,000 (+15.07%) Land $196,400 Building $709,600	$906,000 (-) Land $196,400 Building $709,600
2023	$8,180.00	$787,333	$906,000 Land $196,400 Building $709,600

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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