3195 Hickory Rdg Rd, Dunkirk, MD 20754 Property Records

Calvert County property record for 3195 Hickory Rdg Rd, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,296 sqft · built 2005
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$605,000 (Jun 2019)
Tax Bill	$7,890 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-110095`

Property Details

APN / Parcel Number

Primary APN	`03-110095`
Alternative APNs	`3110095` `110095`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,296 sqft Total Area
Basement Area	1,419 sqft
Finished Basement	1,419 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Mixed
Garage Area	446 sqft
Parking Spaces	2 Parking Spaces
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	110095
Street Address	3195 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 29 PLAT 5 CALVERT ESTS
Legal Subdivision	CALVERT ESTATES
Legal Lot Number	29
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	3
Census Block	3000
Census Tract	860103

Owner

3195 Hickory Rdg Rd is owned and occupied by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	3195 HICKORY RIDGE RD, DUNKIRK, MD 20754-9673
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 28, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jun 21, 2019	Deed, Transfer · Conventional Mortgage KELLER MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2019 · Amount on File
Deed Sale	Jun 21, 2019 · Amount on File
Prior Sale	Jul 25, 2013 · Amount on File
Deed Book / Page	5379 / 724
Prior Transfer Date	Apr 23, 2011
Prior Transfer Doc	0037430159
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3195 HICKORY RIDGE RD, DUNKIRK, MD 20754-9673
Transaction Type	Mortgage
Record Updated	Jul 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3195 HICKORY RIDGE RD, DUNKIRK, MD 20754-9673

Mortgage

Document Number	0063060320
Date	Jun 28, 2022
Book Page	6306/320

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	May 20, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3195 HICKORY RIDGE RD, DUNKIRK, MD 20754-9673
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BETTERS LAW TTL & SETMNT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3195 HICKORY RIDGE RD, DUNKIRK, MD 20754-9673

Mortgage

Document Number	0057570024
Date	Nov 9, 2020
Book Page	5757/24

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Jun 21, 2019
Property Address	3195 HICKORY RIDGE RD, DUNKIRK, MD 20754-9673
Document Number	0053790724
Book / Page	5379 / 724
Map Reference	MB ABE 1 FO 379
Instrument Date	Jun 14, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	TITLEMAX LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,025.00
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	3195 HICKORY RIDGE RD, DUNKIRK, MD 20754-9673

Mortgage

Document Number	5379731
Date	Jun 21, 2019
Instrument	5379/731

Lender

Name	KELLER MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3195 Hickory Rdg Rd was $7,890 with a homeowner's exemption.

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		$726,567 (+2.23%)	$758,300 (+6.7%) Land $195,000 Building $563,300
2025	$7,890.00 Homeowner's exemption	$710,700 Land $195,000 Building $515,700	$710,700 Land $195,000 Building $515,700
2023	$6,607.00	$635,967	$710,700 Land $195,000 Building $515,700

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

Flood

FEMA maps place 3195 Hickory Rdg Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, 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

Wildfire risk around 3195 Hickory Rdg Rd is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 68% 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 43 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Nearby Properties on Hickory Rdg Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures