9655 Howes Rd, Dunkirk, MD 20754 Property Records

Calvert County property record for 9655 Howes Rd, Dunkirk, MD 20754 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2.5 Baths
Year Built	Built 1988
Square Footage	1,680 sqft Total Area
Lot Size	219,107 sqft (5.03 acres)
Garage	Detached, 576 sqft
Occupancy	Owner Occupied
Tax Bill	$4,266.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`03-121119`
Alternative APNs	`3121119` `121119`

Interior

Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Building Area	1,680 sqft Total Area
1st Floor	150 sqft 1st Floor
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Siding Exterior
Roof Material	Composition Shingle Roof
Lot Area	219,107 sqft (5.03 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Detached Garage
Garage Area	576 sqft Garage
Deck Area	96 sqft Deck
Porch	1 Porch
Porch Area	150 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Heat Pump Heating
Sewage	Sewage Connected

Location & Zoning

Account Number	121119
Street Address	9655 HOWES RD
City	DUNKIRK
State	MD
Zip	20754-9257
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LT 2 RUTH M CHANEY PROP
Legal Subdivision	CHANEY RUTH M PROP
Legal Lot Number	2
Jurisdiction	CALVERT MD
Minor Civil Division	3, SUNDERLAND
Census Blockgroup	3
Census Block	3011
Census Tract	860103

Owner

Source: Calvert County records · APN 03-121119

Assessment roll updated July 28, 2026 · Last verified August 2026

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
Mailing Address	PO BOX 143, DUNKIRK, MD 20754-0143
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Aug 08, 2014
Transfer Doc	0044320170
Record Refreshed	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	9655 HOWES RD, DUNKIRK, MD 20754-9257
Transaction Type	Mortgage
Record Updated	Mar 16, 2022
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9655 HOWES RD, DUNKIRK, MD 20754-9257

Mortgage

Document Number	0062320394
Date	Mar 04, 2022
Book Page	6232/394

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 03, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Calvert County records · Assessment roll updated July 28, 2026 · Last verified August 2026

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
2026		$381,267 (+1.73%)	$394,200 (+5.18%) Land $144,000 Building $250,200
2025	$4,266.00 (+25.18%) Homeowner's exemption	$374,800 (+14.24%) Land $144,000 Building $230,800	$374,800 (-) Land $144,000 Building $230,800
2023	$3,408.00 Homeowner's exemption	$328,067	$374,800 Land $144,000 Building $230,800

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

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; lenders make the official flood determination.