Calvert County property record for 9581 Owens Ln, Dunkirk, MD 20754
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,170 sqft · built 1982 |
| Lot Size | 2.09 acres (91,040 sqft) |
| Owner | 2 Individuals on Record |
| Last Sale | $380,000 (Jan 2017) |
| Tax Bill | $5,846 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Mar 2024 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-098435 |
| Primary APN | 03-098435 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,170 sqft Total Area |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 91,040 sqft (2.09 acres) |
| Garage Type | Mixed |
| Garage Area | 1,636 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Porch Area | 420 sqft |
| Deck Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 098435 |
|---|---|
| Street Address | 9581 OWENS LN |
| City | DUNKIRK |
| State | MD |
| Zip | 20754-9327 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | LT 15 SEC 3 HALL'S HILLS |
| Legal Subdivision | HALLS HILLS |
| Legal Lot Number | 15 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 3, SUNDERLAND |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 860103 |
Source: Calvert County assessment roll, as of July 29, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individuals on Record |
|---|---|
| Mailing Address | 9581 OWENS LN, DUNKIRK, MD 20754-9327 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 26, 2026 | Deed of Trust, Mortgage · Line of Credit TRUST BANK |
| Mar 12, 2024 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Aug 28, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST MORTGAGE CORP |
| Jan 27, 2017 | Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 27, 2017 · Amount on Record |
| Deed Sale | Jan 27, 2017 · Amount on Record |
| Prior Sale | Mar 30, 2006 · Amount on Record |
| Deed Book / Page | 4932 / 437 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Jun 26, 2026 |
| Property Address | 9581 OWENS LN, DUNKIRK, MD 20754-9327 |
| Document Number | 6926000151 |
| Book / Page | 6926 / 151 |
| Instrument Date | Jun 12, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | DATA SEARCH INC, DATA SEARCH |
| Name | Verified Name |
|---|---|
| Address | 9581 OWENS LN, DUNKIRK, MD 20754-9327 |
| Document Number | 6926000151, |
|---|---|
| Date | Jun 26, 2026 |
| Book Page | 6926/151 |
| Name | TRUST BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 9581 OWENS LN, DUNKIRK, MD 20754-9327 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2024 |
| Name | Verified Name |
|---|---|
| Address | 9581 OWENS LN, DUNKIRK, MD 20754-9327 |
| Document Number | 0065440260 |
|---|---|
| Date | Mar 12, 2024 |
| Book Page | 6544/260 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 9581 OWENS LN, DUNKIRK, MD 20754-9327 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | CAPITOL TITLE INSURANCE AGCY |
| Name | Verified Name |
|---|
| Document Number | 0054230060 |
|---|---|
| Date | Aug 28, 2019 |
| Book Page | 5423/060 |
| Name | FIRST MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | NOTTINGHAM, MD 21236 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Jan 27, 2017 |
| Property Address | 9581 OWENS LN, DUNKIRK, MD 20754-9327 |
| Document Number | 0049320437 |
| Book / Page | 4932 / 437 |
| Map Reference | MB JLB3 PL73 |
| Instrument Date | Jan 19, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | TITLE MAX LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,900.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 9581 OWENS LN, DUNKIRK, MD 20754-9327 |
| Document Number | 0004932443 |
|---|---|
| Date | Jan 27, 2017 |
| Instrument | 4932/443 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2047 |
Source: Calvert County assessment roll, as of July 29, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,846.00 (+20.66%) Homeowner's exemption | $521,200 (+11.75%) Land $168,700 Building $352,500 | $521,200 (-) Land $168,700 Building $352,500 |
| 2023 | $4,845.00 Homeowner's exemption | $466,400 | $521,200 Land $168,700 Building $352,500 |
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 | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 75 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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