109 Stephen Ct, Middletown, DE 19709 Property Records

New Castle County property record for 109 Stephen Ct, Middletown, DE 19709

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,899 sqft · built 1972
Lot Size	4.14 acres (180,338 sqft)
Owner	2 Individuals on Record
Last Sale	$445,000 (Sep 2016)
Tax Bill	$5,224 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Aug 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`13-018.00-033`

Property Details

APN / Parcel Number

Primary APN	`13-018.00-033`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,899 sqft Living Area
1st Floor Area	1,541 sqft
Family Room	Family Room
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Colonial
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	180,338 sqft (4.14 acres)
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	109 STEPHEN CT
City	MIDDLETOWN
State	DE
Zip	19709-9466
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NC2A
Legal Subdivision	GREYLAG SEC 3
Legal Block	3
Legal Lot Number	23
Jurisdiction	NEW CASTLE DE
Township / Civil Division	MIDDLETOWN-ODESSA
Census Block Group	3
Census Block	3003
Census Tract	16612

Owner

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

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	109 STEPHEN CT, MIDDLETOWN, DE 19709-9466
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Aug 11, 2020	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2016 · Amount on Record
Deed Sale	Sep 19, 2016 · Amount on Record
Deed Document Number	201647264
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW CASTLE DE
Property Address	109 STEPHEN CT, MIDDLETOWN, DE 19709-9466
Transaction Type	Mortgage
Record Updated	Jun 11, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000064921
Date	Jun 3, 2021
Instrument	20210603-0064921

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Type Change Date	Jun 1, 2028
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.25%
Index	Other
Margin	3
Max Rate	7.25%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW CASTLE DE
Property Address	109 STEPHEN CT, MIDDLETOWN, DE 19709-9466
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000066707
Date	Aug 11, 2020
Instrument	20200811-0066707

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$5,224.00 (+16.5%)	$673,000 (+433.7%) Land $253,500 Building $419,500
2024			$615,150
2023	$4,484.00	$126,100 Land $22,900 Building $103,200

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 January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	8 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 93% of the US · lower than 72% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 131 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber · Cable in parts of the area	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: Breezeline.

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