Kent County property record for 157 Commerce St, Cheswold, DE 19936
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 960 sqft · built 1986 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Company Name on File |
| Last Sale | $220,000 (May 2013) |
| Tax Bill | $2,755 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Jan 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-03-046.15-01-43.00-000 |
| Primary APN | 3-03-046.15-01-43.00-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Width | 0.2 ft Width |
| View / Lot | Major Street/Thoroughfare |
| Porch | Porch |
| Porch Area | 240 sqft |
| Total Buildings | 3 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 18094 |
|---|---|
| Street Address | 157 COMMERCE ST |
| City | CHESWOLD |
| State | DE |
| Zip | 19936 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NA |
| Legal Description | #1-W.SD.COMMERCE ST., #2-W.OF COMMERCE ST., CHESWOLD |
| Jurisdiction | KENT DE |
| Township / Civil Division | DOVER |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 41803 |
Source: Kent County assessment roll, as of September 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 115 W MOUNT VERNON ST, SMYRNA, DE 19977-1124 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| May 1, 2026 | Deed of Trust, Mortgage · Conventional Mortgage SHORE UNITED BANK |
| Jan 5, 2017 | Deed of Trust, Mortgage · Commercial Mortgage SHORE UNITED BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 17, 2013 · Amount on Record |
| Deed Sale | May 17, 2013 · Amount on Record |
| Prior Sale | Jul 27, 2007 · Amount on Record |
| Deed Document Number | 2013234666 |
| Deed Book / Page | 6780 / 200 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT DE |
| Recording Date | May 1, 2026 |
| Document Number | 0000535255 |
| Book / Page | 14173 / 95 |
| Instrument Date | Apr 22, 2026 |
| Instrument | 2026535255 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 246 EVELYNDALE DR, DOVER, DE 19901-1825 |
| Document Number | 0000535255, |
|---|---|
| Date | May 1, 2026 |
| Book Page | 14173/95 |
| Instrument | 2026535255 |
| Name | SHORE UNITED BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT DE |
| Property Address | 157 COMMERCE ST, CHESWOLD, DE 19936 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2022 |
| Title Company | WESTCOR LAND TITLE INSURANCE |
| Name | Verified Name |
|---|
| Document Number | 0000311021 |
|---|---|
| Date | Jan 5, 2017 |
| Book Page | 8443/199 |
| Instrument | 2017-311021 |
| Name | SHORE UNITED BANK |
|---|---|
| Type | Non-Lending Institution |
| Address | EASTON, MD 21601 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Kent County assessment roll, as of September 8, 2025
| Type | Name |
|---|---|
| State | Delaware |
| County | Kent County |
| Municipality | Cheswold Town |
| Unified School District | Capital School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $2,755.00 (+70.17%) | $464,800 (+754.41%) Land $39,900 Building $424,900 |
| 2023 | $1,619.00 | $54,400 Land $3,700 Building $50,700 |
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.
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 |
| Flood Insurance Cost | Premium on Record median of 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 3 (2012–2024) |
| Most Recent Claim | Jan 2024 · river or lake flooding |
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.
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 | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FOX POINTE SUBDIVISION private · serves 500 people · EPA ID DE00A0696 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Also Mapped Here | GARRISON LAKE PUMP DISTRICT |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 244 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
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