12 N Cummings Dr, Middletown, DE 19709 Property Records

New Castle County property record for 12 N Cummings Dr, Middletown, DE 19709

Property Summary

Property Type	Duplex
Details	3 bd · 2.5 ba · 2,015 sqft · built 2005
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$264,000 (Jul 2018)
Tax Bill	$3,185 (2025)
Deeds & Mortgages	May 2022 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-020.00-008`

Property Details

APN / Parcel Number

Primary APN	`23-020.00-008`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,015 sqft Living Area
1st Floor Area	1,286 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	128 ft deep x 39 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12 N CUMMINGS DR
City	MIDDLETOWN
State	DE
Zip	19709-1665
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	23R-3
Legal Subdivision	MIDDLETOWN CROSSING
Legal Lot Number	195
Jurisdiction	NEW CASTLE DE
Township / Civil Division	MIDDLETOWN-ODESSA
Census Block Group	1
Census Block	1002
Census Tract	16614

Owner

Source: New Castle County records, as of August 12, 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	12 N CUMMINGS DR, MIDDLETOWN, DE 19709-1665
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 2, 2018	Deed, Transfer · FHA Mortgage MERIDIAN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2018 · Amount on Record
Deed Sale	Jul 2, 2018 · Amount on Record
Prior Sale	Jun 30, 2005 · Amount on Record
Deed Document Number	201832361
Prior Transfer Date	Aug 13, 2009
Prior Transfer Doc	0000055010
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW CASTLE DE
Property Address	12 N CUMMINGS DR, MIDDLETOWN, DE 19709-1665
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 N CUMMINGS DR, MIDDLETOWN, DE 19709-1665

Mortgage

Document Number	0000049001
Date	May 6, 2022
Instrument	20220506-0049001

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Mar 1, 2052

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	NEW CASTLE DE
Recording Date	Jul 2, 2018
Property Address	12 N CUMMINGS DR, MIDDLETOWN, DE 19709-1665
Document Number	0000032361
Map Reference	DOC20030429-0050913
Instrument Date	Jun 29, 2018
Instrument	20180702-0032361
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount 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	12 N CUMMINGS DR, MIDDLETOWN, DE 19709-1665

Mortgage

Document Number	0000032362
Date	Jul 2, 2018
Instrument	20180702-0032362

Lender

Name	MERIDIAN BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$3,185.00 (+29.95%)	$473,700 (+495.1%) Land $66,200 Building $407,500
2023	$2,451.00 (+0.16%)	$79,600 (-) Land $8,300 Building $71,300
2022	$2,447.00	$79,600 Land $8,300 Building $71,300

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 99.1% of the US · lower than 95% of Delaware
Wildfire Likelihood	Under 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.

Drinking Water

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

Water System	WILLOW GROVE MILL serves 3,090 people · EPA ID DE0020122
Water Source	Purchased groundwater from ARTESIAN WATER COMPANY
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023) 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 338 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: Xfinity.

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