196 Skipping Stone Ln, Dover, DE 19904 Property Records

Kent County property record for 196 Skipping Stone Ln, Dover, DE 19904

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,259 sqft · built 2020
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,567 (Dec 2019)
Tax Bill	$3,370 (2026)
Deeds & Mortgages	Sep 2019 Line of Credit Sep 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3-03-056.02-04-36.00-000`

Property Details

APN / Parcel Number

Primary APN	`3-03-056.02-04-36.00-000`
Alternative APNs	`109130` `114484`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,259 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	109 ft deep x 74.8 ft wide
View / Lot	Major Street/Thoroughfare
Garage Type	Finished
Garage Area	545 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	375 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	114484
Street Address	196 SKIPPING STONE LN
City	DOVER
State	DE
Zip	19904-1922
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	VILLAGES OF NOBLES POND PHASE 2A LOT 279 196 SKIPPING STONE LN
Legal Subdivision	VILLAGES OF NOBLES PD PHASE 2A
Legal Phase	2A
Legal Lot Number	279
Jurisdiction	KENT DE
Township / Civil Division	DOVER
Census Block Group	2
Census Block	2015
Census Tract	41803

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	2 Individual Names on Record
Mailing Address	196 SKIPPING STONE LN, DOVER, DE 19904-1922
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2019	Deed of Trust, Mortgage · Line of Credit ARTISANS BANK
Sep 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Dec 24, 2019	Deed, Subdivision Related Transfer · Conventional Mortgage SANDY SPRING BANK
Nov 4, 2019	Grant Deed, Transfer ATTORNEY ONLY
Sep 30, 2019	Grant Deed, Construction Loan · Line of Credit ARTISANS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 24, 2019 · Amount on Record
Deed Sale	Dec 24, 2019 · Amount on Record
Deed Document Number	2019376579
Deed Book / Page	9949 / 64
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT DE
Property Address	196 SKIPPING STONE LN, DOVER, DE 19904-1922
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000370436
Date	Sep 30, 2019
Book Page	9796/001
Instrument	2019-370436

Lender

Name	ARTISANS BANK
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT DE
Property Address	196 SKIPPING STONE LN, DOVER, DE 19904-1922
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000396200
Date	Sep 29, 2020
Book Page	10460/139
Instrument	2020-396200

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

December 2019: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	KENT DE
Recording Date	Dec 24, 2019
Property Address	196 SKIPPING STONE LN, DOVER, DE 19904-1922
Document Number	0000376579
Book / Page	9949 / 064
Map Reference	MB 130 PG 80
Instrument Date	Dec 23, 2019
Instrument	2019-376579
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 6, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,764.18
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13 NOBLES POND XING, 13, DOVER, DE 19904-1296

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	196 SKIPPING STONE LN, DOVER, DE 19904-1922

Mortgage

Document Number	0000376580
Date	Dec 24, 2019
Instrument	2019-376580

Lender

Name	SANDY SPRING BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2035

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENT DE
Recording Date	Nov 4, 2019
Property Address	196 SKIPPING STONE LN, DOVER, DE 19904-1922
Document Number	0000372820
Book / Page	009857 / 000250
Instrument Date	Oct 31, 2019
Instrument	372820
Transaction Type	Transfer
Record Updated	Nov 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	13 NOBLES POND XING DOVER DE 199041296, DOVER, DE 19904-1296

September 2019: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	KENT DE
Recording Date	Sep 30, 2019
Property Address	196 SKIPPING STONE LN, DOVER, DE 19904-1922
Book / Page	009795 / 000221
Instrument Date	Sep 27, 2019
Instrument	370432
Transaction Type	Construction Loan
Record Updated	Oct 9, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	13 NOBLES POND XING DOVER DE 199041296, DOVER, DE 19904-1296

Mortgage

Document Number	0000370432
Date	Sep 30, 2019
Book Page	009795/000221
Instrument	370432

Lender

Name	ARTISANS BK
Type	Bank
Address	2961 CENTERVILLE RD, WILMINGTON, DE 19808-1666

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$3,370.00 (+5.91%)	$460,000 (+744.04%) Land $94,400 Building $365,600
2025	$3,182.00 (+55.07%)
2023	$2,052.00	$54,500 Land $3,500 Building $51,000

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 47% of Delaware
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 126 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300

May also be available: Xfinity.

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