Calvert County property record for 3504 Smithville Dr, Dunkirk, MD 20754
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,080 sqft · built 1988 |
| Lot Size | 1.69 acres (73,616 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $700,000 (May 2026) |
| Tax Bill | $6,221 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-112977 |
| Primary APN | 03-112977 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,080 sqft Total Area |
| Basement Area | 884 sqft |
| Finished Basement | 884 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 73,616 sqft (1.69 acres) |
| Garage Type | Attached |
| Garage Area | 704 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 312 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 112977 |
|---|---|
| Street Address | 3504 SMITHVILLE DR |
| City | DUNKIRK |
| State | MD |
| Zip | 20754-9664 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | LT 46 PLAT 3 SMITH'S PURCHASE |
| Legal Subdivision | PLAT THREE SMITHS PURCHASE |
| Legal Lot Number | 46 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 3, SUNDERLAND |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 860103 |
Source: Calvert County records, as of July 28, 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 Record |
|---|---|
| Mailing Address | 3504 SMITHVILLE DR, DUNKIRK, MD 20754-9664 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 7, 2026 | Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 23, 2020 | Deed of Trust, Mortgage · VA Mortgage THRIVE MORTGAGE LLC |
| Nov 9, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 7, 2026 · Amount on Record |
| Deed Sale | May 7, 2026 · Amount on Record |
| Prior Sale | Jul 8, 2005 · Amount on Record |
| Deed Book / Page | 6897 / 407 |
| Prior Transfer Date | Oct 14, 2022 |
| Prior Transfer Doc | 0063690089 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | May 7, 2026 |
| Property Address | 3504 SMITHVILLE DR, DUNKIRK, MD 20754-9664 |
| Document Number | 0068970407 |
| Book / Page | 6897 / 407 |
| Instrument Date | May 1, 2026 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Title Company | TITLE FAX, TITLEMAX |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $707,000.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3504 SMITHVILLE DR, DUNKIRK, MD 20754-9664 |
| Document Number | 6897000412, |
|---|---|
| Date | May 7, 2026 |
| Book Page | 6897/412 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 3504 SMITHVILLE DR, DUNKIRK, MD 20754-9664 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0057720682 |
|---|---|
| Date | Nov 23, 2020 |
| Book Page | 5772/682 |
| Name | THRIVE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | GEORGETOWN, TX 78633 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Nov 9, 2022 |
| Property Address | 3504 SMITHVILLE DR, DUNKIRK, MD 20754-9664 |
| Document Number | 0063690089 |
| Book / Page | 6369 / 89 |
| Map Reference | MB 1 PL 386 |
| Instrument Date | Oct 14, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3504 SMITHVILLE DR, DUNKIRK, MD 20754-9664 |
Source: Calvert County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $584,367 (+5.1%) | $641,100 (+15.31%) Land $176,900 Building $464,200 | |
| 2025 | $6,221.00 (+21.93%) | $556,000 (+13.21%) Land $176,900 Building $379,100 | $556,000 (-) Land $176,900 Building $379,100 |
| 2023 | $5,102.00 | $491,133 | $556,000 Land $176,900 Building $379,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: FCC Broadband Data Collection, based on 56 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 |
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