3610 Lyons Creek Rd, Dunkirk, MD 20754 Property Records

Calvert County property record for 3610 Lyons Creek Rd, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,018 sqft · built 1989
Lot Size	1.6 acres (69,696 sqft)
Owner	2 Individual Names on Record
Last Sale	$505,000 (Jun 2009)
Tax Bill	$6,624 (2025)
Deeds & Mortgages	Sep 2023 Transfer Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-091996`

Property Details

APN / Parcel Number

Primary APN	`03-091996`
Alternative APNs	`3091996` `091996`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	3,018 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	69,696 sqft (1.6 acres)
Garage Type	Attached
Garage Area	555 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	296 sqft
Deck Area	290 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	091996
Street Address	3610 LYONS CREEK RD
City	DUNKIRK
State	MD
Zip	20754-9278
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	1.60 AC 3610 LYONS CREEK RD DUNKIRK
Legal Subdivision	LYONS CREEK
Legal Lot Number	2
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	3
Census Block	3002
Census Tract	860103

Owner

Source: Calvert County records, as of December 2, 2025

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	3610 LYONS CREEK RD, DUNKIRK, MD 20754-9278
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2023	Intrafamily Transfer, Transfer
Aug 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage MLEND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2009 · Amount on Record
Deed Sale	Jun 22, 2009 · Amount on Record
Prior Sale	Feb 9, 1998 · Amount on Record
Deed Document Number	200992332
Deed Book / Page	3331 / 265
Last Transfer Date	Sep 6, 2023
Transfer Doc	0064800177
Record Updated	Jun 8, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Sep 7, 2023
Property Address	3610 LYONS CREEK RD, DUNKIRK, MD 20754-9278
Document Number	0064800177
Book / Page	6480 / 177
Map Reference	LB ABE 268 FO 81
Instrument Date	Sep 6, 2023
Transaction Type	Transfer
Record Updated	Sep 22, 2023

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

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	3610 LYONS CREEK RD, DUNKIRK, MD 20754-9278
Document Number	0056710245
Instrument Date	Aug 10, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	SETTLEMENT MATTERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3610 LYONS CREEK RD DUNKIRK MD 207549278, DUNKIRK, MD 20754-9278

Mortgage

Document Number	0056710245
Date	Aug 18, 2020
Book Page	005671/000245

Lender

Name	MLEND
Address	MIDDLETOWN, MD 21769

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 17, 2050

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 29, 2025

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
2025	$6,624.00 (+22.24%) Homeowner's exemption	$593,300 (+13.75%) Land $164,800 Building $428,500	$593,300 (-) Land $164,800 Building $428,500
2023	$5,419.00 Homeowner's exemption	$521,567	$593,300 Land $164,800 Building $428,500

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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