14 S Cummings Dr, Middletown, DE 19709 Property Records

New Castle County property record for 14 S Cummings Dr, Middletown, DE 19709

Property Summary

Property Type	Duplex
Details	3 bd · 2.5 ba · 2,015 sqft · built 2005
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$278,915 (Jul 2005)
Tax Bill	$2,129 (2025)
Deeds & Mortgages	May 2021 Mortgage Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-020.00-038`

Property Details

APN / Parcel Number

Primary APN	`23-020.00-038`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 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

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	6,098 sqft (0.14 acres)
Lot Dimensions	125 ft deep x 71 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	14 S CUMMINGS DR
City	MIDDLETOWN
State	DE
Zip	19709-1664
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	23R-3
Legal Subdivision	MIDDLETOWN CROSSING
Legal Lot Number	202
Jurisdiction	NEW CASTLE DE
Township / Civil Division	MIDDLETOWN-ODESSA
Census Block Group	1
Census Block	1007
Census Tract	16614

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	14 S CUMMINGS DR, MIDDLETOWN, DE 19709-1664
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2005 · Amount on Record
Deed Sale	Jul 22, 2005 · Amount on Record
Prior Sale	Apr 14, 2005 · Amount on Record
Deed Document Number	200572720
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW CASTLE DE
Property Address	14 S CUMMINGS DR, MIDDLETOWN, DE 19709-1664
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000062047
Date	May 26, 2021
Instrument	20210526-0062047

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW CASTLE DE
Property Address	14 S CUMMINGS DR, MIDDLETOWN, DE 19709-1664
Document Number	0000038200
Instrument Date	Jul 23, 2018
Transaction Type	Mortgage
Record Updated	Aug 9, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	14 S CUMMINGS DR MIDDLETOWN DE 197091664, MIDDLETOWN, DE 19709-1664

Mortgage

Document Number	0000038200
Date	Jul 30, 2018
Instrument	38200

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 29, 2038

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	$2,129.00 (+37.71%)	$489,700 (+49%) Land $66,200 Building $423,500
2023	$1,546.00 (+0.26%) Disabled Person's exemption	$83,000 (-) Land $8,400 Building $74,600
2022	$1,542.00 Disabled Person's exemption	$83,000 Land $8,400 Building $74,600

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 96% of the US · lower than 84% 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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