12770 Lena Ct, Dunkirk, MD 20754 Property Records

Calvert County property record for 12770 Lena Ct, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,930 sqft · built 2019
Lot Size	1.17 acres (51,401 sqft)
Owner	2 Individual Names on Record
Last Sale	$734,200 (Jan 2020)
Tax Bill	$8,145 (2023)
Deeds & Mortgages	Sep 2021 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-253294`

Property Details

APN / Parcel Number

Primary APN	`03-253294`
Alternative APN	`253294`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,930 sqft Total Area
Basement Area	841 sqft
Finished Basement	841 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Exterior Material	Stone
Roof Material	Composition Shingle
Lot Area	51,401 sqft (1.17 acres)
Garage Type	Mixed
Garage Area	566 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	184 sqft
Deck Area	196 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	253294
Street Address	12770 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 28 PLAT 5 LAKES AT TWIN SHIELDS
Legal Subdivision	LAKES/TWIN SHIELDS 5
Legal Lot Number	28
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12770 LENA CT, DUNKIRK, MD 20754-2817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jan 3, 2020	Grant Deed, Transfer · Conventional with PMI PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2020 · Amount on Record
Deed Sale	Jan 3, 2020 · Amount on Record
Deed Document Number	0005504382
Deed Book / Page	5504 / 382
Record Updated	Jun 7, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12770 LENA CT, DUNKIRK, MD 20754-2817
Transaction Type	Mortgage
Record Updated	Oct 14, 2021
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060930049
Date	Sep 28, 2021
Book Page	6093/49

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	May 1, 2051

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Jan 3, 2020
Property Address	12770 LENA CT, DUNKIRK, MD 20754-2817
Document Number	0055040382
Book / Page	005504 / 000382
Instrument Date	Dec 17, 2019
Transaction Type	Transfer
Record Updated	Jan 28, 2020
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$740.62
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	12770 LENA CT DUNKIRK MD 207542817, DUNKIRK, MD 20754-2817

Mortgage

Document Number	55040392
Date	Jan 3, 2020
Book Page	005504/000392

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 2, 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	$8,145.00	$783,933	$883,400 Land $196,800 Building $686,600

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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