109 Concord Rd, Dover, DE 19904 Property Records

Kent County property record for 109 Concord Rd, Dover, DE 19904

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,280 sqft · built 1989
Lot Size	0.75 acres (32,670 sqft)
Owner	Individual Name on Record
Last Sale	$294,000 (Feb 2020)
Tax Bill	$2,765 (2026)
Deeds & Mortgages	Apr 2022 Mortgage Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2-00-066.04-01-81.00-000`

Property Details

APN / Parcel Number

Primary APN	`2-00-066.04-01-81.00-000`
Alternative APNs	`ED00066.040181.00/000` `12976`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,280 sqft Living Area
Basement Area	1,140 sqft
Unfinished Basement	1,140 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	32,670 sqft (0.75 acres)
Lot Dimensions	218 ft deep x 150 ft wide
View / Lot	Major Street/Thoroughfare
Garage Type	Finished
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	32 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	12976
Street Address	109 CONCORD RD
City	DOVER
State	DE
Zip	19904-9111
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	HUNTERS POINTE SEC 2 LOT 81 109 CONCORD ROAD
Legal Subdivision	HUNTERS POINTE
Legal Lot Number	81
Jurisdiction	KENT DE
Township / Civil Division	DOVER
Census Block Group	3
Census Block	3008
Census Tract	41804

Owner

Source: Kent County records, as of October 20, 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 Record
Mailing Address	109 CONCORD RD, DOVER, DE 19904-9111
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Feb 24, 2020	Deed, Transfer · FHA Mortgage GREENTREE MORTGAGE COMPANY LP
Jul 18, 2018	Loan Modification, Mortgage · Conventional with PMI PACIFIC UNION FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2020 · Amount on Record
Deed Sale	Feb 24, 2020 · Amount on Record
Prior Sale	Feb 26, 2016 · Amount on Record
Deed Document Number	2020380612
Deed Book / Page	10049 / 264
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT DE
Property Address	109 CONCORD RD, DOVER, DE 19904-9111
Transaction Type	Mortgage
Record Updated	May 4, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CONCORD RD, DOVER, DE 19904-9111

Mortgage

Document Number	0000449277
Date	Apr 14, 2022
Book Page	11885/304
Instrument	2022-449277

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 1, 2052

February 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT DE
Recording Date	Feb 24, 2020
Property Address	109 CONCORD RD, DOVER, DE 19904-9111
Document Number	0000380612
Book / Page	10049 / 264
Map Reference	MB 20 PG 38
Instrument Date	Feb 21, 2020
Instrument	2020-380612
Transaction Type	Transfer
Record Updated	Sep 6, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,880.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000380613
Date	Feb 24, 2020
Instrument	2020-380613

Lender

Name	GREENTREE MORTGAGE COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENT DE
Property Address	109 CONCORD RD, DOVER, DE 19904-9111
Document Number	0000346029
Instrument Date	Jul 18, 2018
Transaction Type	Mortgage
Record Updated	Aug 24, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 CONCORD RD DOVER DE 199049111, DOVER, DE 19904-9111

Mortgage

Document Number	0000346029
Date	Aug 13, 2018
Book Page	009245/000282
Instrument	346029

Lender

Name	PACIFIC UNION FIN'L
Type	Funding / Finance Company
Address	FARMERS BRANCH, TX 75234

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	336 Months
Due	Aug 12, 2046

Interest

Rate	4.5%

Tax Assessment & Valuation

Source: Kent County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Delaware
County	Kent County
Unified School District	Capital School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$2,765.00 (+5.45%)	$376,600 (+406.86%) Land $98,200 Building $278,400
2025	$2,622.00 (+2.3%)
2023	$2,563.00	$74,300 Land $16,400 Building $57,900

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective May 25, 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
Nearby Flood Policies	9 in force
Nearby Flood Claims	2 (1996–2016)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2016 · other causes

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 95% of the US · lower than 81% of Delaware
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HUNTERS POINTE PUMP DISTRICT private · serves 261 people · EPA ID DE0000104
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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