3420 Smithville Dr, Dunkirk, MD 20754 Property Records

Calvert County property record for 3420 Smithville Dr, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,664 sqft · built 1986
Lot Size	1.17 acres (50,965 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,937 (2025)
Deeds & Mortgages	Feb 2018 Line of Credit Feb 2018 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-113027`

Property Details

APN / Parcel Number

Primary APN	`03-113027`
Alternative APNs	`3113027` `113027`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,664 sqft Total Area
Basement Area	468 sqft
Finished Basement	468 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	50,965 sqft (1.17 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	384 sqft
Deck Area	244 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	113027
Street Address	3420 SMITHVILLE DR
City	DUNKIRK
State	MD
Zip	20754-9662
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LT 50 PLAT 2 SMITH'S PURCHASE
Legal Subdivision	PLAT 2 SMITHS PURCHASE
Legal Lot Number	50
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	3
Census Block	3009
Census Tract	860103

Owner

Source: Calvert County records · APN 03-113027

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	2 Individual Names on File
Mailing Address	3420 SMITHVILLE DR, DUNKIRK, MD 20754-9662
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2018	Deed of Trust, Mortgage · Line of Credit UNITED STATES SENATE FCU
Feb 21, 2018	Deed of Trust, Mortgage · Line of Credit UNITED STATES SENATE FCU
Feb 16, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Mar 23, 2022	Deed of Trust, Mortgage · Line of Credit UNITED STATES SENATE FCU
Apr 17, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 15, 2016
Deed Sale	Nov 15, 2016
Prior Sale	Jul 09, 2010 · Amount on Record
Deed Book / Page	4887 / 97
Prior Transfer Date	Oct 26, 2016
Prior Transfer Doc	0048870097
Record Updated	Jun 08, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3420 SMITHVILLE DR, DUNKIRK, MD 20754-9662
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051480069
Date	Feb 21, 2018
Book Page	5148/069

Lender

Name	UNITED STATES SENATE FCU
Type	Credit Union
Address	WASHINGTON, DC 20013

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3420 SMITHVILLE DR, DUNKIRK, MD 20754-9662
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051480081
Date	Feb 21, 2018
Book Page	5148/081

Lender

Name	UNITED STATES SENATE FCU
Type	Credit Union
Address	WASHINGTON, DC 20013

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3420 SMITHVILLE DR, DUNKIRK, MD 20754-9662
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3420 SMITHVILLE DR, DUNKIRK, MD 20754-9662

Mortgage

Document Number	0058560249
Date	Feb 16, 2021
Book Page	5856/249

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	May 01, 2050

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3420 SMITHVILLE DR, DUNKIRK, MD 20754-9662
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3420 SMITHVILLE DR, DUNKIRK, MD 20754-9662

Mortgage

Document Number	0062440469
Date	Mar 23, 2022
Book Page	6244/469

Lender

Name	UNITED STATES SENATE FCU
Type	Credit Union
Address	WASHINGTON, DC 20013

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 14, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3420 SMITHVILLE DR, DUNKIRK, MD 20754-9662
Document Number	0055930057
Instrument Date	Apr 17, 2020
Transaction Type	Mortgage
Record Updated	May 28, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3420 SMITHVILLE DR DUNKIRK MD 207549662, DUNKIRK, MD 20754-9662

Mortgage

Document Number	0055930057
Date	May 18, 2020
Book Page	005593/000057

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 17, 2050

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	$4,937.00 (+21.24%) Homeowner's exemption	$437,000 (+11.5%) Land $171,700 Building $265,300	$437,000 (-) Land $171,700 Building $265,300
2023	$4,072.00 Homeowner's exemption	$391,933	$437,000 Land $171,700 Building $265,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 18, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 56 locations within half a mile of this property.

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