4000 Ferry Landing Rd, Dunkirk, MD 20754 Property Records

Calvert County property record for 4000 Ferry Landing Rd, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,972 sqft · built 2024
Lot Size	4 acres (174,240 sqft)
Owner	2 Individual Names on Record
Last Sale	$899,575 (Aug 2024)
Tax Bill	$8,218 (2025)
Deeds & Mortgages	Apr 2026 Mortgage May 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-086038`

Property Details

APN / Parcel Number

Primary APN	`03-086038`
Alternative APNs	`3086038` `086038`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,972 sqft Total Area
Basement Area	1,535 sqft
Finished Basement	1,535 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	174,240 sqft (4 acres)
Garage Type	Attached
Garage Area	522 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	086038
Street Address	4000 FERRY LANDING RD
City	DUNKIRK
State	MD
Zip	20754-8907
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	4 AC 4000 FERRY LANDING RD M PUMPHREY PROP
Legal Subdivision	FAMILY CONVEYANCE COMING H
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	3
Census Block	3011
Census Tract	860103

Owner

Source: Calvert County records, as of April 14, 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	4000 FERRY LANDING RD, DUNKIRK, MD 20754-8907
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
May 5, 2023	Deed of Trust, Mortgage · Commercial Mortgage CFG COMMUNITY BANK
Apr 5, 2023	Deed of Trust, Mortgage · Line of Credit CFG COMMUNITY BANK
Nov 2, 2022	Deed of Trust, Mortgage · Commercial Mortgage CFG COMMUNITY BANK
May 3, 2021	Deed, Transfer · Stand-Alone First Mortgage SEVERN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2024 · Amount on Record
Deed Sale	Aug 27, 2024 · Amount on Record
Prior Sale	May 3, 2021 · Amount on Record
Deed Book / Page	6613 / 327
Record Updated	Jun 8, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Recording Date	Apr 6, 2026
Property Address	4000 FERRY LANDING RD, DUNKIRK, MD 20754-8907
Document Number	6880000116
Book / Page	6880 / 116
Instrument Date	Mar 30, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	4000 FERRY LANDING RD, DUNKIRK, MD 20754-8907

Mortgage

Document Number	6880000116,
Date	Apr 6, 2026
Book Page	6880/116

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	341 Months
Due	Sep 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	4000 FERRY LANDING RD, DUNKIRK, MD 20754-8907
Transaction Type	Mortgage
Record Updated	May 19, 2023
Title Company	RESIDENTIAL TITLE COMPANY, RESIDENTIAL T&E CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0064300285
Date	May 5, 2023
Book Page	6430/285

Lender

Name	CFG COMMUNITY BANK
Type	Bank
Address	BALTIMORE, MD 21209

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	4000 FERRY LANDING RD, DUNKIRK, MD 20754-8907
Transaction Type	Mortgage
Record Updated	May 1, 2023
Title Company	RESIDENTIAL TITLE COMPANY, RESIDENTIAL T&E CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0064180010
Date	Apr 5, 2023
Book Page	6418/10

Lender

Name	CFG COMMUNITY BANK
Type	Bank
Address	BALTIMORE, MD 21209

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	4000 FERRY LANDING RD, DUNKIRK, MD 20754-8907
Transaction Type	Mortgage
Record Updated	Mar 9, 2023
Title Company	FREESTATE TITLE SERVICES/ANNAPOLIS, FREESTATE TTL SVCS OF ANNAPO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1110 SOMERSET LN, OWINGS, MD 20736-3603

Mortgage

Document Number	0063660036
Date	Nov 2, 2022
Book Page	6366/36

Lender

Name	CFG COMMUNITY BANK
Type	Bank
Address	BALTIMORE, MD 21209

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	May 3, 2021
Property Address	4000 FERRY LANDING RD, DUNKIRK, MD 20754-8907
Document Number	0059490354
Book / Page	5949 / 354
Map Reference	MB KPS 3 PG 295
Instrument Date	Apr 27, 2021
Transaction Type	Transfer
Record Updated	Mar 9, 2023
Title Company	FREESTATE TITLE SERVICES/ANNAPOLIS, FREESTATE TTL SVCS OF ANNAPO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 LEITCH RD, TRACYS LANDING, MD 20779-2407

Mortgage

Document Number	0005949359
Date	May 3, 2021
Instrument	5949/359

Lender

Name	SEVERN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$8,218.00 (+400.79%)	$761,600 (+382.03%) Land $178,000 Building $583,600	$761,600 (+382.03%) Land $178,000 Building $583,600
2023	$1,641.00	$158,000 Land $158,000	$158,000 Land $158,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 37 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

May also be available: T-Mobile.

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