102 Saddle Dr, Middletown, DE 19709 Property Records

New Castle County property record for 102 Saddle Dr, Middletown, DE 19709

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,538 sqft · built 1995
Lot Size	1.04 acres (45,302 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,726 (2025)
Deeds & Mortgages	Apr 2023 Second Mortgage Jan 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-012.30-001`

Property Details

APN / Parcel Number

Primary APN	`13-012.30-001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,538 sqft Living Area
1st Floor Area	1,378 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,302 sqft (1.04 acres)
Lot Dimensions	260 ft deep x 227 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	102 SADDLE DR
City	MIDDLETOWN
State	DE
Zip	19709-9460
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NC40
Legal Subdivision	POST & RAIL FARMS
Legal Lot Number	56
Jurisdiction	NEW CASTLE DE
Township / Civil Division	MIDDLETOWN-ODESSA
Census Block Group	1
Census Block	1004
Census Tract	16609

Owner

Source: New Castle County records, as of May 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	102 SADDLE DR, MIDDLETOWN, DE 19709-9460
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DEXSTA FCU
Jan 23, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Mar 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT STATE BANK INC
Jun 17, 2020	Deed, Transfer · Conventional Mortgage PIKE CREEK MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 1995
Deed Sale	Aug 25, 1995
Deed Book / Page	1973 / 86
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW CASTLE DE
Property Address	102 SADDLE DR, MIDDLETOWN, DE 19709-9460
Transaction Type	Mortgage
Record Updated	May 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025987
Date	Apr 25, 2023
Instrument	20230425-0025987

Lender

Name	DEXSTA FCU
Type	Credit Union
Address	WILMINGTON, DE 19803

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 15, 2038

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW CASTLE DE
Property Address	102 SADDLE DR, MIDDLETOWN, DE 19709-9460
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EQUITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003624
Date	Jan 23, 2018
Instrument	20180123-0003624

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 9, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW CASTLE DE
Property Address	102 SADDLE DR, MIDDLETOWN, DE 19709-9460
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018813
Date	Mar 6, 2020
Instrument	20200306-0018813

Lender

Name	PROVIDENT STATE BANK INC
Type	Bank
Address	OWINGS MILLS, MD 21117

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Mar 2, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Mar 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.37%
Index	1-Year LIBOR
Max Rate	9.37%

June 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	NEW CASTLE DE
Recording Date	Jun 17, 2020
Property Address	102 SADDLE DR, MIDDLETOWN, DE 19709-9460
Document Number	0000049341
Map Reference	MF 9742
Instrument Date	Jun 15, 2020
Instrument	20200617-0049341
Transaction Type	Transfer
Record Updated	Sep 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	102 SADDLE DR, MIDDLETOWN, DE 19709-9460

Mortgage

Document Number	0000049345
Date	Jun 17, 2020
Instrument	20200617-0049345

Lender

Name	PIKE CREEK MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

Source: New Castle County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Delaware
County	New Castle County
Unified School District	Appoquinimink School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,726.00 (+23.39%)	$585,500 (+467.34%) Land $187,700 Building $397,800
2024			$493,110
2023	$3,830.00	$103,200 Land $15,100 Building $88,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 21, 2026 · 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 5 (25% premium discount)
Nearby Flood Policies	2 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 47% of Delaware
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Breezeline Cable	1,000 / 50
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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