2970 Cedarwood Ln, Dunkirk, MD 20754 Property Records

Calvert County property record for 2970 Cedarwood Ln, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 4,012 sqft · built 1986
Lot Size	4.46 acres (194,278 sqft)
Owner	2 Trust Names on Record
Last Sale	$715,000 (Apr 2017)
Tax Bill	$11,792 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-087158`

Property Details

APN / Parcel Number

Primary APN	`03-087158`
Alternative APNs	`3087158` `087158`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,012 sqft Total Area
Basement Area	2,006 sqft
Finished Basement	2,006 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	194,278 sqft (4.46 acres)
Garage Type	Mixed
Garage Area	2,464 sqft
Parking Spaces	8 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Pool Area	612 sqft
Deck Area	696 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	087158
Street Address	2970 CEDARWOOD LN
City	DUNKIRK
State	MD
Zip	20754-9422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LT 13 SEC 1 CEDARWOOD
Legal Subdivision	CEDARWOOD
Legal Lot Number	13
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	1
Census Block	1005
Census Tract	860103

Owner

Source: Calvert County records, as of December 2, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Trust Names on Record
Mailing Address	2970 CEDARWOOD LN, DUNKIRK, MD 20754-9422
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Oct 7, 2022	Intrafamily Transfer, Transfer
Oct 7, 2022	Intrafamily Transfer, Transfer
Oct 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Apr 10, 2017	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2017 · Amount on Record
Deed Sale	Apr 10, 2017 · Amount on Record
Prior Sale	Mar 9, 2000 · Amount on Record
Deed Book / Page	4972 / 299
Last Transfer Date	Jul 12, 2022
Transfer Doc	0063550129
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	2970 CEDARWOOD LN, DUNKIRK, MD 20754-9422
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	TITLEMAX LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2970 CEDARWOOD LN, DUNKIRK, MD 20754-9422

Mortgage

Document Number	0061500095
Date	Nov 19, 2021
Book Page	6150/95

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Oct 7, 2022
Property Address	2970 CEDARWOOD LN, DUNKIRK, MD 20754-9422
Document Number	0063550129
Book / Page	6355 / 129
Map Reference	LB JLB 3 FO 92
Instrument Date	Jul 12, 2022
Transaction Type	Transfer
Record Updated	Oct 20, 2022

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 by the Entirety
Address	2970 CEDARWOOD LN, DUNKIRK, MD 20754-9422

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Oct 7, 2022
Property Address	2970 CEDARWOOD LN, DUNKIRK, MD 20754-9422
Document Number	0063550132
Book / Page	6355 / 132
Map Reference	LB JLB 3 FO 92
Instrument Date	Jul 12, 2022
Transaction Type	Transfer
Record Updated	Jun 7, 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	Revocable Trust
Address	2970 CEDARWOOD LN, DUNKIRK, MD 20754-9422

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	2970 CEDARWOOD LN, DUNKIRK, MD 20754-9422
Document Number	0052720057
Instrument Date	Oct 12, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019
Title Company	TITLEMAX CORPORATION, TITLEMAX CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2970 CEDARWOOD LN DUNKIRK MD 207549422, DUNKIRK, MD 20754-9422

Mortgage

Document Number	0052720057
Date	Oct 23, 2018
Book Page	005272/000057

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 22, 2033

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Apr 10, 2017
Property Address	2970 CEDARWOOD LN, DUNKIRK, MD 20754-9422
Document Number	0049720299
Book / Page	4972 / 299
Map Reference	LB JLB3 FO92
Instrument Date	Mar 31, 2017
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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
Address	2970 CEDARWOOD LN, DUNKIRK, MD 20754-9422

Mortgage

Document Number	0004972305
Date	Apr 10, 2017
Instrument	4972/305

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

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	$11,792.00 (+23.01%) Homeowner's exemption	$1,072,300 (+16.22%) Land $197,300 Building $875,000	$1,072,300 (-) Land $197,300 Building $875,000
2023	$9,586.00	$922,633	$1,072,300 Land $197,300 Building $875,000

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	3 in force

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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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