12761 Legacy Dr, Dunkirk, MD 20754 Property Records

Calvert County property record for 12761 Legacy Dr, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	5.5 ba · 5,452 sqft · built 2018
Lot Size	2.16 acres (94,090 sqft)
Owner	2 Individual Names on Record
Tax Bill	$13,993 (2025)
Deeds & Mortgages	May 2026 Line of Credit May 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-253308`

Property Details

APN / Parcel Number

Primary APN	`03-253308`
Alternative APN	`253308`

Interior

Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,452 sqft Total Area
Basement Area	1,667 sqft
Finished Basement	1,667 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	94,090 sqft (2.16 acres)
Garage Type	Mixed
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	840 sqft
Porch	Slab
Porch Area	320 sqft
Deck Area	220 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	253308
Street Address	12761 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 36 PLAT 8 LAKES AT TWIN SHIELDS
Legal Subdivision	LEGANCY DRIVE
Legal Lot Number	36
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 July 28, 2026

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	12761 LEGACY DR, DUNKIRK, MD 20754-2816
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMIERCA NA
May 15, 2026	Deed of Trust, Mortgage · Line of Credit APPLE FEDERAL CREDIT UNION
Mar 12, 2018	Grant Deed, Transfer · Conventional Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Recording Date	May 27, 2026
Property Address	12761 LEGACY DR, DUNKIRK, MD 20754-2816
Document Number	6905000220
Book / Page	6905 / 220
Instrument Date	May 19, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12761 LEGACY DR, DUNKIRK, MD 20754-2816
Investor	Possibly a Property Investor

Mortgage

Document Number	6905000220,
Date	May 27, 2026
Book Page	6905/220

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 19, 2056

Interest

Rate	6.23%
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Recording Date	May 15, 2026
Property Address	12761 LEGACY DR, DUNKIRK, MD 20754-2816
Document Number	6902000392
Book / Page	6902 / 392
Instrument Date	Apr 28, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	CHAMPION TITLE AGENCY, CHAMPION TITLE & SETTLEMENTS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12761 LEGACY DR, DUNKIRK, MD 20754-2816
Investor	Possibly a Property Investor

Mortgage

Document Number	6902000392,
Date	May 15, 2026
Book Page	6902/392

Lender

Name	APPLE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 28, 2056

Interest

Rate	6.46%
Max Rate	-1%

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Mar 12, 2018
Property Address	12761 LEGACY DR, DUNKIRK, MD 20754-2816
Document Number	0051570440
Book / Page	005157 / 000440
Instrument Date	Feb 23, 2018
Transaction Type	Transfer
Record Updated	Mar 20, 2018
Title Company	MARYLAND TRUST TITLE AND ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$950.57
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	12761 LEGACY DR DUNKIRK MD 207542816, DUNKIRK, MD 20754-2816

Mortgage

Document Number	51570450
Date	Mar 12, 2018
Book Page	005157/000450

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 11, 2048

Mortgage

Document Number	51570470,
Date	Mar 12, 2018
Book Page	005157/000470

Lender

Name	FAIRFAX CNTY EMPS CU
Type	Credit Union
Address	FAIRFAX, VA 22030

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 11, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 28, 2026

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
2026		$1,325,833 (+20.92%)	$1,424,900 (+11.64%) Land $206,600 Building $1,218,300
2025	$13,993.00 (+22.84%)
2023	$11,391.00	$1,096,433	$1,276,300 Land $206,600 Building $1,069,700

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	980 / 880
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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