3405 Lyons Creek Rd, Dunkirk, MD 20754 Property Records

Calvert County property record for 3405 Lyons Creek Rd, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,960 sqft · built 2023
Lot Size	4.14 acres (180,338 sqft)
Owner	2 Individual Names on File
Last Sale	$40,000 (Apr 1993)
Tax Bill	$8,761 (2025)
Deeds & Mortgages	Nov 2022 Construction Loan Jun 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-000966`

Property Details

APN / Parcel Number

Primary APN	`03-000966`
Alternative APNs	`3000966` `000966`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,960 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	180,338 sqft (4.14 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	64 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	000966
Street Address	3405 LYONS CREEK RD
City	DUNKIRK
State	MD
Zip	20754-9273
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	4.14 AC DUNKIRK
Legal Subdivision	LYONS CREEK
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	3
Census Block	3002
Census Tract	860103

Owner

Source: Calvert County records · APN 03-000966

Assessment roll updated July 28, 2026 · Last verified August 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 File
Mailing Address	3405 LYONS CREEK RD, DUNKIRK, MD 20754-9273
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 09, 2022	Intrafamily Transfer, Transfer · Construction Mortgage SHORE UNITED BANK NA
Jun 28, 2021	Intrafamily Transfer, Transfer
Mar 10, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 26, 1993 · Amount on Record
Deed Sale	Apr 26, 1993 · Amount on Record
Deed Book / Page	663 / 584
Last Transfer Date	Oct 31, 2022
Transfer Doc	0063690235
Record Updated	Sep 20, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Nov 09, 2022
Property Address	3405 LYONS CREEK RD, DUNKIRK, MD 20754-9273
Document Number	0063690235
Book / Page	6369 / 235
Instrument Date	Oct 31, 2022
Transaction Type	Transfer
Record Updated	Dec 30, 2022
Title Company	MARYLAND TITLE CENTER LLC, MARYLAND TRUST T&E LLC

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

Mortgage

Document Number	0006369242
Date	Nov 09, 2022
Instrument	6369/242

Lender

Name	SHORE UNITED BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Nov 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Nov 01, 2030
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	9.87%
Index	1-Year T-Bill
Max Rate	9.87%

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Jun 28, 2021
Property Address	3405 LYONS CREEK RD, DUNKIRK, MD 20754-9273
Document Number	0060050119
Book / Page	6005 / 119
Instrument Date	Jun 28, 2021
Transaction Type	Transfer
Record Updated	Jul 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	964 CLAGGETT RD, SUNDERLAND, MD 20689-9616

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CALVERT MD
Recording Date	Mar 10, 2020
Property Address	3405 LYONS CREEK RD, DUNKIRK, MD 20754-9273
Document Number	0055440001
Book / Page	005544 / 000001
Instrument Date	Feb 26, 2020
Transaction Type	Transfer
Record Updated	Apr 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	964 CLAGGETT RD SUNDERLAND MD 206899616, SUNDERLAND, MD 20689-9616

Tax Assessment & Valuation

Source: Calvert County records · Assessment roll updated July 28, 2026 · Last verified August 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
2026		$819,800 (+3.59%)	$876,600 (+10.77%) Land $174,500 Building $702,100
2025	$8,761.00 (+26.11%)	$791,400 (+18.35%) Land $174,500 Building $616,900	$791,400 (+2.47%) Land $174,500 Building $616,900
2023	$6,947.00	$668,700	$772,300 Land $160,000 Building $612,300

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 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

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.02% annual chance
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 · sampled at 122 locations within half a mile · Last verified October 2026

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

Cell Coverage

5G and 4G LTE (outdoors only)

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