12765 Lena Ct, Dunkirk, MD 20754 Property Records

Calvert County property record for 12765 Lena Ct, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	5 ba · 5,512 sqft · built 2019
Lot Size	1.26 acres (54,886 sqft)
Owner	2 Individual Names on File
Last Sale	$946,085 (Sep 2019)
Tax Bill	$10,632 (2023)
Deeds & Mortgages	Sep 2022 Second Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-253292`

Property Details

APN / Parcel Number

Primary APN	`03-253292`
Alternative APN	`253292`

Interior

Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,512 sqft Total Area
Basement Area	2,051 sqft
Finished Basement	2,051 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	54,886 sqft (1.26 acres)
Garage Type	Built-in
Garage Area	828 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	253292
Street Address	12765 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 21 PLAT 5 LAKES AT TWIN SHIELDS
Legal Subdivision	LAKES/TWIN SHIELDS 5
Legal Lot Number	21
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2000
Census Tract	860103

Owner

12765 Lena Ct is owned and occupied by two individuals who bought it in September 2019.

Source: Calvert County records, as of September 18, 2023

Owner of Record	2 Individual Names on File
Mailing Address	12765 LENA CT, DUNKIRK, MD 20754-2817
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Jan 6, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Sep 10, 2019	Grant Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2019 · Amount on File
Deed Sale	Sep 10, 2019 · Amount on File
Deed Document Number	0000543176
Deed Book / Page	5431 / 76
Record Updated	Jun 7, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12765 LENA CT, DUNKIRK, MD 20754-2817
Transaction Type	Mortgage
Record Updated	Oct 5, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12765 LENA CT, DUNKIRK, MD 20754-2817

Mortgage

Document Number	0063470151
Date	Sep 22, 2022
Book Page	6347/151

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	60 Months
Due	Sep 1, 2027

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12765 LENA CT, DUNKIRK, MD 20754-2817
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12765 LENA CT, DUNKIRK, MD 20754-2817

Mortgage

Document Number	0058160169
Date	Jan 6, 2021
Book Page	5816/169

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Sep 10, 2019
Property Address	12765 LENA CT, DUNKIRK, MD 20754-2817
Document Number	0054310076
Book / Page	005431 / 000076
Instrument Date	Aug 9, 2019
Transaction Type	Transfer
Record Updated	Sep 30, 2019
Title Company	MARYLAND TRUST TITLE AND ESCROW LLC, MARYLAND TR TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$946.08
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	12765 LENA CT DUNKIRK MD 207542817, DUNKIRK, MD 20754-2817

Mortgage

Document Number	54310084
Date	Sep 10, 2019
Book Page	005431/000084

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2049

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	$10,632.00 Homeowner's exemption	$1,023,300	$1,191,100 Land $197,600 Building $993,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12765 Lena Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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

Wildfire risk around 12765 Lena Ct is low, with a 0.03% annual chance of 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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