3403 Smithville Dr, Dunkirk, MD 20754 Property Records

Calvert County property record for 3403 Smithville Dr, Dunkirk, MD 20754 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,512 sqft · built 1986
Lot Size	1.36 acres (59,242 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Sep 1999)
Tax Bill	$5,189 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Oct 2019 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-112675`

Property Details

APN / Parcel Number

Primary APN	`03-112675`
Alternative APNs	`3112675` `112675`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,512 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Split Level
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	59,242 sqft (1.36 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	112 sqft
Deck Area	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	112675
Street Address	3403 SMITHVILLE DR
City	DUNKIRK
State	MD
Zip	20754-9663
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 22 PLAT 1 SMITH'S PURCHASE
Legal Subdivision	SMITHS PURCHASE
Legal Lot Number	22
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	3
Census Block	3009
Census Tract	860103

Owner

Source: Calvert County records · APN 03-112675

Assessment roll updated July 29, 2025 · Last verified April 2026

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

Owner of Record	Individual Name on File
Mailing Address	3403 SMITHVILLE DR, DUNKIRK, MD 20754-9663
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 08, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU OF MARYLAND INC
Oct 21, 2019	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC
Jan 19, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC
Jun 22, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC
Apr 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage STATE EMP CU/MD

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 07, 1999 · Amount on Record
Deed Sale	Sep 07, 1999 · Amount on Record
Prior Sale	Nov 26, 1986 · Amount on Record
Deed Document Number	1999652
Deed Book / Page	1206 / 632
Transfer Doc	0018340149
Record Updated	Jun 08, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3403 SMITHVILLE DR, DUNKIRK, MD 20754-9663
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060180355
Date	Jul 08, 2021
Book Page	6018/355

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	GLEN BURNIE, MD 21060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	1.74%
Type Change Date	Aug 01, 2026
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	3.74%
Index	1-Year CMT
Max Rate	7.74%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3403 SMITHVILLE DR, DUNKIRK, MD 20754-9663
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054570294
Date	Oct 21, 2019
Book Page	5457/294

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 01, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3403 SMITHVILLE DR, DUNKIRK, MD 20754-9663
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0062000146
Date	Jan 19, 2022
Book Page	6200/146

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3403 SMITHVILLE DR, DUNKIRK, MD 20754-9663
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0063020247
Date	Jun 22, 2022
Book Page	6302/247

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3403 SMITHVILLE DR, DUNKIRK, MD 20754-9663
Document Number	0049980329
Book / Page	004998 / 000329
Instrument Date	Apr 27, 2017
Transaction Type	Mortgage
Record Updated	Jul 20, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3403 SMITHVILLE DR DUNKIRK MD 207549663, DUNKIRK, MD 20754-9663

Mortgage

Document Number	0049980329
Date	May 24, 2017
Book Page	004998/000329

Lender

Name	STATE EMP CU/MD
Type	Credit Union
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 23, 2047

Tax Assessment & Valuation

Source: Calvert County records · Assessment roll updated July 29, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Calvert County
Unified School District	Calvert County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,189.00 (+21.47%) Homeowner's exemption	$460,300 (+11.95%) Land $173,600 Building $286,700	$460,300 (-) Land $173,600 Building $286,700
2023	$4,272.00	$411,167	$460,300 Land $173,600 Building $286,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Calvert County (24009C), updated April 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240098601033, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 5,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 56 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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