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EXCEPTIONAL ESTATE - A TIMELESS TREASURE IN NORTHERN CALVERT'S PRESTIGIOUS PATUXENT PALISADES WATER-PRIVILEGED COMMUNITY! Follow the crepe myrtle-lined drive to a private and whimsical dream home, built with intention and high-level specifications. Welcome to 12033 Steven Lane in Dunkirk, Maryland - an exceptional residence where timeless Cape Cod charm and elegance meets modern comfort and versatility. Set on a beautifully maintained lot in the highly sought-after Patuxent Palisades community, this immaculate home offers a floor plan that is both functional and difficult to find. From the moment you arrive, pride of ownership is evident. Mature landscaping, a welcoming front porch, and picture-perfect curb appeal create an inviting first impression that only gets better as you step inside. The thoughtfully designed layout features two main level primary suites with two full baths and one powder room in this main-level living listing. This offers an incredible opportunity for multigenerational life, guests, long or short-term convenience, or simply enjoying the flexibility of having multiple private retreats on the first floor. Inside, & all 3 levels, you’ll find spacious and beautifully maintained living areas filled with natural light. This home offers the warmth and character Cape Cod lovers appreciate, while providing the open and practical spaces that align with daily living. Every room reflects meticulous care and attention to detail. The upper level provides two additional bedroom suites with private bathroom access and sitting room areas adjoining. A fifth bedroom suite with full bath access can be found on the lower level. The lower lever also showcases a kitchen area with island, a full recreation room and extraordinary storage space/workshop area. Another standout lower level feature is the WALK-OUT/DAYLIGHT exterior access and exit to the backyard oasis that awaits. The outdoor living at 12033 Steven Lane is divine! The view of the saltwater pool and heated in ground spa can be enjoyed from either the sunroom, the deck or the patio beneath. To the left of the pool and entertainment area, is a private, level and wooded yard where a new best available technology nitrogen removal septic system was recently installed and has been routinely serviced. Outside, enjoy the peaceful setting that makes Patuxent Palisades a coveted location. Whether hosting summer gatherings, relaxing with your morning coffee, or enjoying a quiet evening outdoors, this property offers the perfect backdrop for creating lasting memories. Located in Northern Calvert County, this home provides convenient access to major commuter routes 4/2 and beyond, award-winning schools, local shopping, dining, marinas, and all that Southern Maryland living has to offer. Patuxent Palisades is well known for its spacious homesites and beautiful natural surroundings - making it one of Dunkirk��s most valued communities. Residents enjoy the benefits of the Patuxent Palisades Civic Association, including access to a private community pier and boat ramp on the Patuxent River, scenic walking paths surrounding the community pond, picnic and recreation areas, playground, and beautifully maintained common grounds that complement the neighborhood’s peaceful, waterfront setting. This is the type of home that rarely becomes available - beautifully maintained, thoughtfully designed, and ready for its next chapter. Schedule your showing today!

Highlights

  • Residential
  • Single Family Residence
  • Built in 2000
  • 1.2 Acre Lot
  • $600/yr HOA
  • 3 Car Garage
  • 159 days on Market

  • Bedrooms
    5
  • Bathrooms
    4 full · 1 half
  • Year Built
    2000
  • Architectural Style
    Cape Cod
  • Construction Materials
    Stone
  • Foundation
    Slab
  • Garage Spaces
    3.0
  • Parking Features
    Driveway, Attached, Other, Oversized, Garage Door Opener, Asphalt, Garage, Off Street, Inside Entrance
  • Living Area
    4592.0
  • Interior Features
    High Ceilings
  • Appliances
    Electric Water Heater
  • Patio And Porch
    Wrap Around, Porch
  • Pool Features
    Fenced, Heated, In Ground, Pool/Spa Combo, Private, Other
  • Cooling
    Central Air, Electric, Geothermal
  • Heating
    Electric, Heat Pump, Geothermal
  • Basement
    Finished, Walk-Out Access, Partial, Daylight, Interior Entry, Exterior Entry, Other

  • Acres
    1.2
  • Lot Features
    Level, Cleared, Private, Other, Few Trees
  • Water Front Features
    Lake, River Front
  • Water
    Well

  • County
    Calvert
  • City
    Dunkirk
  • Neighborhood
    PATUXENT PALISADES
  • Zip Code
    20754
  • High School
    NORTHERN
  • Middle School
    NORTHERN
  • Elementary School
    MOUNT HARMONY

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Frequently Asked Questions

How do I schedule a tour of 12033 Steven Ln?

We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 12033 Steven Ln.

They know residentials in the area well and can give you the guidance you need to buy with confidence.

How do I get more information about 12033 Steven Ln?

Click Ask a Question to talk with our team. You already know it is a 5 bed, 4 bath, listed for $1,200,000. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Dunkirk, and can even get you in to see the property quickly.

How much is the monthly mortgage payment for 12033 Steven Ln?

With a 20% down payment and a 30-year fixed loan at an illustrative 6.75% rate, the ez Mortgage Calculator estimates the monthly payment for 12033 Steven Ln at around $7,193. This includes estimated property taxes and insurance.

Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.

How do I get pre-approved to buy 12033 Steven Ln?

Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.

Or, let us connect you with our preferred local lender in Calvert County. They will give you all of your available financing options, based on your specific situation and what is available to you.

Can I negotiate the asking price for 12033 Steven Ln?

In most cases, yes. Whether 12033 Steven Ln is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Dunkirk's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.

How do I make an offer on 12033 Steven Ln?

We can handle that for you. Our preferred local agent specializes in residentials in Dunkirk and can guide you through every step of the offer process.

You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.

What is the price per square foot for this home?

This home is listed at $1,200,000 with 4,592 sqft of space—that comes out to approximately $261 per square foot.

How long has this property been on the market?

12033 Steven Ln was listed on June 01, 2026, which means it's been on the market for 159 days.

Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.

When was this house built?

This home was built in 2000, making it approximately 26 years old.

What is the lot size of this property?

12033 Steven Ln sits on a 1.2-acre lot, which is 52,272 square feet.

What schools are assigned to this property?

Based on MLS info, this home is zoned for:

  • Elementary: MOUNT HARMONY
  • Middle: NORTHERN
  • High: NORTHERN

Want to see how these schools compare? Check out our Calvert County School Guide to see ratings, reviews, and more for the schools in the area.

What are the property taxes for 12033 Steven Ln?

The most recent public record shows annual property taxes for 12033 Steven Ln were approximately $8,240. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.

Is there an HOA fee for this property, and what does it cover?

This home has an HOA fee of $600 paid annually.

This covers access to community features including: Boat Dock.

Is 12033 Steven Ln still available for sale?

Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.

Source: ez Home Search, MLS Data

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Listing information provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed by the MLS. Copyright 2026, Bright. All rights reserved.

Last Updated: November 07, 2026 at 08:07PM | Source: Bright | MLS#: MDCA2027408