12840 Long Gun Dr, Dunkirk, MD 20754 Property Records

Calvert County property record for 12840 Long Gun Dr, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,420 sqft · built 1986
Lot Size	3.51 acres (152,896 sqft)
Owner	2 Individual Names on File
Last Sale	$599,900 (Jan 2019)
Tax Bill	$7,500 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-099598`

Property Details

APN / Parcel Number

Primary APN	`03-099598`
Alternative APNs	`3099598` `099598`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,420 sqft Total Area
Basement Area	1,120 sqft
Finished Basement	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	152,896 sqft (3.51 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	782 sqft
Deck Area	150 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	099598
Street Address	12840 LONG GUN DR
City	DUNKIRK
State	MD
Zip	20754-9758
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LT 27R PLAT 5 LYONS CREEK HUNDRED
Legal Subdivision	LYONS CREEK
Legal Lot Number	27R
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2000
Census Tract	860103

Owner

12840 Long Gun Dr is owned and occupied by two individuals who bought it in January 2019.

Source: Calvert County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12840 LONG GUN DR, DUNKIRK, MD 20754-9758
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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
Nov 6, 2019	Deed of Trust, Mortgage · VA Mortgage BAY CAPITAL MORTGAGE CORP
Jan 23, 2019	Deed, Transfer · VA Mortgage BAY CAPITAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2019 · Amount on File
Deed Sale	Jan 23, 2019 · Amount on File
Prior Sale	Sep 7, 2001 · Amount on File
Deed Book / Page	5310 / 55
Prior Transfer Date	Jan 8, 2014
Prior Transfer Doc	0043660458
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	12840 LONG GUN DR, DUNKIRK, MD 20754-9758
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	VELOCITY NATIONAL TTL CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054690196
Date	Nov 6, 2019
Book Page	5469/196

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company
Address	ANNAPOLIS, MD 21401

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

January 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Jan 23, 2019
Property Address	12840 LONG GUN DR, DUNKIRK, MD 20754-9758
Document Number	0053100055
Book / Page	5310 / 055
Map Reference	MB ABE1 FO 201
Instrument Date	Jan 17, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	VELOCITY NATL TITLE CO LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,499.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12840 LONG GUN DR, DUNKIRK, MD 20754-9758

Mortgage

Document Number	0000531061
Date	Jan 23, 2019
Instrument	5310/61

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 12840 Long Gun Dr was $7,500.

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		$697,867 (+3.46%)	$744,600 (+10.39%) Land $217,500 Building $527,100
2025	$7,500.00	$674,500 Land $217,500 Building $457,000	$674,500 Land $217,500 Building $457,000
2023	$6,181.00	$594,900	$674,500 Land $217,500 Building $457,000

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

Flood

FEMA maps place 12840 Long Gun Dr 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 12840 Long Gun Dr 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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