3450 Old Jones Rd, Dunkirk, MD 20754 Property Records

Calvert County property record for 3450 Old Jones Rd, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,504 sqft · built 1989
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on Record
Last Sale	$650,000 (Dec 2023)
Tax Bill	$4,477 (2023)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-121046`

Property Details

APN / Parcel Number

Primary APN	`03-121046`
Alternative APNs	`3121046` `121046`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,504 sqft Total Area
1st Floor Area	1,384 sqft
Attic Area	365 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Architectural Style	Conventional
Exterior Material	Siding
Construction Type	Wood Frame
Roof Material	Composition Shingle
Lot Area	44,867 sqft (1.03 acres)
Garage Type	Attached
Garage Area	467 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	192 sqft
Deck Area	214 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	121046
Old Parcel Number	3121046
Street Address	3450 OLD JONES RD
City	DUNKIRK
State	MD
Zip	20754-3067
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LT 40 PLAT 1 SMITHVILLE
Legal Subdivision	SMITHVILLE
Legal Lot Number	40
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	3
Census Block	3013
Census Tract	860103

Owner

Source: Calvert County records, as of December 22, 2023

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3450 OLD JONES RD, DUNKIRK, MD 20754-3067
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2023 · Amount on Record
Deed Sale	Dec 12, 2023 · Amount on Record
Deed Document Number	0006513147
Deed Book / Page	6513 / 147
Record Updated	Jun 7, 2026

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Dec 12, 2023
Property Address	3450 OLD JONES RD, DUNKIRK, MD 20754-3067
Document Number	0065130147
Book / Page	6513 / 147
Map Reference	MB ABE 2 PL 203
Instrument Date	Nov 27, 2023
Transaction Type	Transfer
Record Updated	Dec 25, 2023
Title Company	MBR TITLE AGENCY LLC, MBC TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,625.00
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	3450 OLD JONES RD, DUNKIRK, MD 20754-3067

Mortgage

Document Number	0006513154
Date	Dec 12, 2023
Instrument	6513/154

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Dec 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.5%
Max Rate	11.5%

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 1, 2023

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
2023	$4,477.00	$430,933	$474,800 Land $170,300 Building $304,500

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
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 64 locations within half a mile, as of December 31, 2025

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