12735 Lena Ct, Dunkirk, MD 20754 Property Records

Calvert County property record for 12735 Lena Ct, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	4 ba · 4,662 sqft · built 2021
Lot Size	1.3 acres (57,064 sqft)
Owner	2 Individual Names on Record
Last Sale	$905,971 (Nov 2020)
Tax Bill	$10,094 (2023)
Deeds & Mortgages	Dec 2022 Second Mortgage Aug 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-253286`

Property Details

APN / Parcel Number

Primary APN	`03-253286`
Alternative APN	`253286`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,662 sqft Total Area
Basement Area	1,403 sqft
Finished Basement	1,403 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Exterior Material	Stone
Roof Material	Composition Shingle
Lot Area	57,064 sqft (1.3 acres)
Garage Type	Mixed
Garage Area	1,280 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	800 sqft
Porch	Open Porch
Porch Area	66 sqft
Deck Area	224 sqft
Gazebo	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	253286
Street Address	12735 LENA CT
City	DUNKIRK
State	MD
Zip	20754-2817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	LT 18 PLAT 4 LAKES AT TWIN SHIELDS
Legal Lot Number	18
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	12735 LENA CT, DUNKIRK, MD 20754-2817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Aug 30, 2021	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Oct 30, 2020	Deed of Trust, Mortgage · Conventional with PMI FIRST HERITAGE MTG
Nov 4, 2020	Grant Deed, Subdivision Related Transfer · Conventional with PMI FIRST HERITAGE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2020 · Amount on Record
Deed Sale	Nov 5, 2020 · Amount on Record
Deed Document Number	0005752474
Deed Book / Page	5752 / 474
Prior Transfer Date	Nov 4, 2020
Prior Transfer Doc	0057520474
Record Updated	Jun 7, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12735 LENA CT, DUNKIRK, MD 20754-2817
Transaction Type	Mortgage
Record Updated	Jan 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0063870040
Date	Dec 30, 2022
Book Page	6387/40

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2043

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12735 LENA CT, DUNKIRK, MD 20754-2817
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060630081
Date	Aug 30, 2021
Book Page	6063/81

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jul 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12735 LENA CT, DUNKIRK, MD 20754-2817
Document Number	0057520483
Instrument Date	Oct 30, 2020
Transaction Type	Mortgage
Record Updated	Nov 26, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12735 LENA CT DUNKIRK MD 207542817, DUNKIRK, MD 20754-2817

Mortgage

Document Number	0057520483
Date	Nov 5, 2020
Book Page	005752/000483

Lender

Name	FIRST HERITAGE MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 4, 2050

November 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Nov 4, 2020
Property Address	12735 LENA CT, DUNKIRK, MD 20754-2817
Document Number	0057520474
Book / Page	005752 / 000474
Instrument Date	Oct 30, 2020
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 1, 2020
Title Company	TITLEMAX CORPORATION, TITLEMAX CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$906.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12735 LENA CT DUNKIRK MD 207542817, DUNKIRK, MD 20754-2817

Mortgage

Document Number	57520483
Date	Nov 4, 2020
Book Page	005752/000483

Lender

Name	FIRST HERITAGE MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 3, 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	$10,094.00 Homeowner's exemption	$971,600	$1,095,400 Land $198,100 Building $897,300

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	0.02% 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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