Calvert County property record for 4045 Loving Dr, Dunkirk, MD 20754 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 3 Baths |
| Year Built | Built 1998 |
| Square Footage | 2,544 sqft Total Area |
| Lot Size | 43,560 sqft (1 acres) |
| Garage | Mixed, 600 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $695,000 (2025) |
| Tax Bill | $5,043.00 (2023) |
| Primary APN | 03-163962 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 2,544 sqft Total Area |
| 1st Floor | 1,632 sqft 1st Floor |
| Basement Area | 576 sqft Basement |
| Finished Basement | 576 sqft Finished |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1998 |
|---|---|
| Architectural Style | Conventional Style |
| Exterior Material | Siding Exterior |
| Construction Type | Wood Frame Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 43,560 sqft (1 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Mixed Garage |
| Garage Area | 600 sqft Garage |
| Porch | Open Porch |
| Porch Area | 240 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Sewage | Sewage Connected |
| Account Number | 163962 |
|---|---|
| Old Parcel Number | 3163962 |
| Street Address | 4045 LOVING DR |
| City | DUNKIRK |
| State | MD |
| Zip | 20754-3038 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LT 12 PLAT 1 LOVING FARM |
| Legal Subdivision | HARBOR LIGHT BEACH |
| Legal Lot Number | 12 |
| Jurisdiction | CALVERT MD |
| Minor Civil Division | 3, SUNDERLAND |
| Census Blockgroup | 3 |
| Census Block | 3011 |
| Census Tract | 860103 |
Source: Calvert County records · APN 03-163962
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4045 LOVING DR, DUNKIRK, MD 20754-3038 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 28, 2026 | Deed of Trust, Mortgage · Veterans Administration Mortgage NAVY FCU |
| Dec 03, 2025 | Deed, Transfer · Veterans Administration Mortgage NAVY FCU |
| Aug 01, 2025 | Deed, Transfer · Commercial Mortgage PLATINUM PROPERTIES HOLDING LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 03, 2025 · Amount on Record |
| Deed Sale | Dec 03, 2025 · Amount on Record |
| Prior Sale | Aug 01, 2025 · Amount on Record |
| Deed Doc Number | 0006824346 |
| Deed Book / Page | 6824 / 346 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 4045 LOVING DR, DUNKIRK, MD 20754-3038 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2026 |
| Title Company | HIGHLAND TITLE SERVICES, HIGHLAND TITLE FREDERICK MD |
| Name | Verified Name |
|---|---|
| Address | 2975 RIVERS RIDGE DR, RED WING, MN 55066-6330 |
| Document Number | 0068460383 |
|---|---|
| Date | Jan 28, 2026 |
| Book Page | 6846/383 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Dec 01, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Dec 03, 2025 |
| Property Address | 4045 LOVING DR, DUNKIRK, MD 20754-3038 |
| Document Number | 0068240346 |
| Book / Page | 6824 / 346 |
| Map Reference | LB ABE 5 FO 249 |
| Instrument Date | Nov 07, 2025 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2025 |
| Title Company | HIGHLAND TITLE AND ESCROW LLC, HIGHLAND TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,737.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 4045 LOVING DR, DUNKIRK, MD 20754-3038 |
| Document Number | 0006824355 |
|---|---|
| Date | Dec 03, 2025 |
| Instrument | 6824/355 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Aug 01, 2025 |
| Property Address | 4045 LOVING DR, DUNKIRK, MD 20754-3038 |
| Document Number | 0067620044 |
| Book / Page | 6762 / 44 |
| Map Reference | LB ABE 5 FO 249 |
| Instrument Date | Jul 25, 2025 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2025 |
| Title Company | ALLIED TTL ORGANIZATION LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,300.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 6030 MARSHALEE DR # M458, M458, ELKRIDGE, MD 21075-5987 |
| Document Number | 0067620049 |
|---|---|
| Date | Aug 01, 2025 |
| Book Page | 6762/49 |
| Name | PLATINUM PROPERTIES HOLDING LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | CATONSVILLE, MD 21228 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Jul 25, 2026 |
Source: Calvert County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
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 | $538,700 (+10.97%) Land $170,000 Building $368,700 | $538,700 (-) Land $170,000 Building $368,700 | |
| 2023 | $5,043.00 Homeowner's exemption | $485,433 | $538,700 Land $170,000 Building $368,700 |
Source: FEMA National Flood Hazard Layer, Calvert County (24009C), updated April 18, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 3,571 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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