9445 Howes Rd, Dunkirk, MD 20754 Property Records

Calvert County property record for 9445 Howes Rd, Dunkirk, MD 20754 · Last verified September 2023

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,790 sqft · built 1992
Lot Size	1.11 acres (48,352 sqft)
Owner	Individual Name on File
Last Sale	$442,000 (Jan 2013)
Tax Bill	$4,908 (2023)
Deeds & Mortgages	Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-133532`

Property Details

APN / Parcel Number

Primary APN	`03-133532`
Alternative APNs	`3133532` `133532`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,790 sqft Total Area
1st Floor Area	1,752 sqft
Basement Area	686 sqft
Finished Basement	686 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	48,352 sqft (1.11 acres)
Garage Type	Mixed
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces
Deck Area	247 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	133532
Old Parcel Number	3133532
Street Address	9445 HOWES RD
City	DUNKIRK
State	MD
Zip	20754-9253
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 2 SPENCER HOWES PROP
Legal Subdivision	SPENCER HOWES PROP
Legal Lot Number	2 9445
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	3
Census Block	3011
Census Tract	860103

Owner

Source: Calvert County records · APN 03-133532

Assessment roll updated July 1, 2023 · Last verified September 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 File
Co-owner	Verified Secondary Owner
Mailing Address	9445 HOWES RD, DUNKIRK, MD 20754-9253
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 22, 2013 · Amount on Record
Deed Sale	Jan 22, 2013 · Amount on Record
Prior Sale	Jul 01, 2009 · Amount on Record
Deed Document Number	131447
Deed Book / Page	4105 / 243
Record Updated	Jun 07, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	9445 HOWES RD, DUNKIRK, MD 20754-9253
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	QUICK SILVA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061470353
Date	Nov 18, 2021
Book Page	6147/353

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 01, 2041

Tax Assessment & Valuation

Source: Calvert County records · Assessment roll updated July 1, 2023 · Last verified September 2023

Property Jurisdictions

Type	Name
State	Maryland
County	Calvert County
Unified School District	Calvert County Public Schools (PK - 12)

Tax Bill & Assessment History

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
2023	$4,908.00 Homeowner's exemption	$472,433	$553,700 Land $160,800 Building $392,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Calvert County (24009C), updated April 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240098601033, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Low above 32% of the US · above 68% of Maryland
Wildfire Likelihood	About 1 in 3,333 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 37 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.