12795 Lena Ct, Dunkirk, MD 20754 Property Records

Calvert County property record for 12795 Lena Ct, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,712 sqft · built 2019
Lot Size	1.14 acres (49,658 sqft)
Owner	2 Individual Names on Record
Last Sale	$990,000 (Oct 2023)
Tax Bill	$10,195 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Oct 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-253298`

Property Details

APN / Parcel Number

Primary APN	`03-253298`
Alternative APN	`253298`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,712 sqft Total Area
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	Built-in
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	184 sqft
Deck Area	360 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	253298
Street Address	12795 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 24 PLAT 6 LAKES AT TWIN SHIELDS
Legal Subdivision	PLAT SIX THE LAKES AT TWIN SHIELDS
Legal Lot Number	24
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 April 7, 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	12795 LENA CT, DUNKIRK, MD 20754-2817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Oct 12, 2023	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 27, 2023	Intrafamily Transfer, Transfer
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 12, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2023 · Amount on Record
Deed Sale	Oct 12, 2023 · Amount on Record
Prior Sale	Mar 12, 2019 · Amount on Record
Deed Book / Page	6493 / 320
Prior Transfer Date	Jan 27, 2023
Prior Transfer Doc	0063950431
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12795 LENA CT, DUNKIRK, MD 20754-2817
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12795 LENA CT, DUNKIRK, MD 20754-2817

Mortgage

Document Number	0068750247
Date	Mar 27, 2026
Book Page	6875/247

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2041

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Oct 12, 2023
Property Address	12795 LENA CT, DUNKIRK, MD 20754-2817
Document Number	0064930320
Book / Page	6493 / 320
Map Reference	MB KPS 5 PL 209
Instrument Date	Oct 11, 2023
Transaction Type	Transfer
Record Updated	Oct 31, 2023
Title Company	NOT AVAILABLE, BRENNAN TTL CO NATL ACCOUNTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,950.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12795 LENA CT, DUNKIRK, MD 20754-2817

Mortgage

Document Number	0006493327
Date	Oct 12, 2023
Instrument	6493/327

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Jan 27, 2023
Property Address	12795 LENA CT, DUNKIRK, MD 20754-2817
Document Number	0063950431
Book / Page	6395 / 431
Map Reference	MB KPS 5 PL 209
Instrument Date	Jan 27, 2023
Transaction Type	Transfer
Record Updated	Feb 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	12795 LENA CT, DUNKIRK, MD 20754-2817

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12795 LENA CT, DUNKIRK, MD 20754-2817
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12795 LENA CT, DUNKIRK, MD 20754-2817

Mortgage

Document Number	0059230128
Date	Apr 8, 2021
Book Page	5923/128

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Feb 1, 2036

March 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	Mar 12, 2019
Property Address	12795 LENA CT, DUNKIRK, MD 20754-2817
Document Number	0053290288
Book / Page	005329 / 000288
Instrument Date	Mar 7, 2019
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 25, 2019
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$727.16
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12795 LENA CT DUNKIRK MD 207542817, DUNKIRK, MD 20754-2817

Mortgage

Document Number	53290298
Date	Mar 12, 2019
Book Page	005329/000298

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 11, 2034

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	$10,195.00 (+22.77%) Homeowner's exemption	$924,300 (+15.64%) Land $196,400 Building $727,900	$924,300 (-) Land $196,400 Building $727,900
2023	$8,304.00 Homeowner's exemption	$799,300	$924,300 Land $196,400 Building $727,900

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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