3165 Hickory Rdg Rd, Dunkirk, MD 20754 Property Records

Calvert County property record for 3165 Hickory Rdg Rd, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,429 sqft · built 1986
Lot Size	6.34 acres (276,170 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Nov 2011)
Tax Bill	$8,109 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-110125`

Property Details

APN / Parcel Number

Primary APN	`03-110125`
Alternative APNs	`3110125` `110125`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,429 sqft Total Area
Basement Area	801 sqft
Finished Basement	801 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	276,170 sqft (6.34 acres)
Garage Type	Basement
Garage Area	1,827 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Porch Area	84 sqft
Deck Area	1,064 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	110125
Street Address	3165 HICKORY RIDGE RD
City	DUNKIRK
State	MD
Zip	20754-9673
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LT 32 PLAT 5 CALVERT ESTS
Legal Subdivision	PLAT 5 CALVERT ESTATES
Legal Lot Number	32
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	3
Census Block	3000
Census Tract	860103

Owner

Source: Calvert County records, as of July 28, 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	3165 HICKORY RIDGE RD, DUNKIRK, MD 20754-9673
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2017	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Jul 3, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 23, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jan 6, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2011 · Amount on Record
Deed Sale	Nov 22, 2011 · Amount on Record
Prior Sale	Sep 16, 2004 · Amount on Record
Deed Book / Page	3819 / 304
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3165 HICKORY RIDGE RD, DUNKIRK, MD 20754-9673
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PREMIUM TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050670470
Date	Sep 25, 2017
Book Page	5067/470

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3165 HICKORY RIDGE RD, DUNKIRK, MD 20754-9673
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053880093
Date	Jul 3, 2019
Book Page	5388/093

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	341 Months
Due	Dec 1, 2047

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3165 HICKORY RIDGE RD, DUNKIRK, MD 20754-9673
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055490262
Date	Mar 23, 2020
Book Page	5549/262

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Jan 1, 2048

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3165 HICKORY RIDGE RD, DUNKIRK, MD 20754-9673
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058150234
Date	Jan 6, 2021
Book Page	5815/234

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	326 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

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		$747,433 (+13.72%)	$780,300 (+6.74%) Land $218,300 Building $562,000
2025	$8,109.00 (+18.74%)
2023	$6,829.00 Homeowner's exemption	$657,267	$731,000 Land $218,300 Building $512,700

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 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	0.02% 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 38 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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