Kent County property record for 2 N Howard St, Smyrna, DE 19977
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,816 sqft · built 1900 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | Individual Name on File |
| Last Sale | $315,000 (Aug 2024) |
| Tax Bill | $922 (2026) |
| Deeds & Mortgages | Mar 2023 Line of Credit Feb 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1-17-019.05-04-08.00-000 |
| Primary APN | 1-17-019.05-04-08.00-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,816 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 3,920 sqft (0.09 acres) |
| Lot Dimensions | 100 ft deep x 40 ft wide |
| View / Lot | Major Street/Thoroughfare |
| Porch | Slab |
| Porch Area | 144 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 2524 |
|---|---|
| Street Address | 2 N HOWARD ST |
| City | SMYRNA |
| State | DE |
| Zip | 19977-1228 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | INT HOWARD & COMMERCE STS 4,000 SQ FT 2 N HOWARD STREET |
| Legal Subdivision | SPRUANCE CITY |
| Legal Lot Number | 21 |
| Jurisdiction | KENT DE |
| Township / Civil Division | SMYRNA |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 40204 |
2 N Howard St is owned and occupied by an individual who bought it in August 2024.
Source: Kent County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2 N HOWARD ST, SMYRNA, DE 19977-1228 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 23, 2023 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Feb 22, 2021 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Dec 17, 2019 | Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Jul 1, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| May 31, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 2, 2024 · Amount on File |
| Deed Sale | Aug 2, 2024 · Amount on File |
| Prior Sale | Dec 17, 2019 · Amount on File |
| Deed Document Number | 2024497812 |
| Deed Book / Page | 13113 / 221 |
| Prior Transfer Date | Jan 5, 2010 |
| Prior Transfer Doc | 0000163391 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT DE |
| Property Address | 2 N HOWARD ST, SMYRNA, DE 19977-1228 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2 N HOWARD ST, SMYRNA, DE 19977-1228 |
| Document Number | 0000470969 |
|---|---|
| Date | Mar 23, 2023 |
| Book Page | 12414/91 |
| Instrument | 2023-470969 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Mar 1, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT DE |
| Property Address | 2 N HOWARD ST, SMYRNA, DE 19977-1228 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2021 |
| Title Company | FIDELITY NATIONAL TITLE-OR, FIDELITY NATIONAL TTL OF OR |
| Name | Verified Name |
|---|
| Document Number | 0000409569 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 10825/283 |
| Instrument | 2021-409569 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENT DE |
| Recording Date | Dec 17, 2019 |
| Property Address | 2 N HOWARD ST, SMYRNA, DE 19977-1228 |
| Document Number | 0000375966 |
| Book / Page | 009935 / 000274 |
| Instrument Date | Dec 16, 2019 |
| Instrument | 375966 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,872.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2 N HOWARD ST SMYRNA DE 199771228, SMYRNA, DE 19977-1228 |
| Document Number | 375967 |
|---|---|
| Date | Dec 17, 2019 |
| Book Page | 009935/000278 |
| Instrument | 375967 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 16, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENT DE |
| Recording Date | Jul 1, 2019 |
| Property Address | 2 N HOWARD ST, SMYRNA, DE 19977-1228 |
| Document Number | 0000364573 |
| Book / Page | 009656 / 000160 |
| Instrument Date | Jun 18, 2019 |
| Instrument | 364573 |
| Transaction Type | Transfer |
| Record Updated | Jul 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $625.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 980 DOVER DE 199030980, DOVER, DE 19903-0980 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENT DE |
| Recording Date | May 31, 2017 |
| Property Address | 2 N HOWARD ST, SMYRNA, DE 19977-1228 |
| Document Number | 0000319644 |
| Book / Page | 008636 / 000325 |
| Instrument Date | May 19, 2017 |
| Instrument | 319644 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $1,350.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2 N HOWARD ST SMYRNA DE 199771228, SMYRNA, DE 19977-1228 |
The 2026 property tax bill for 2 N Howard St was $922, up 1.4% from the year before.
Source: Kent County assessment roll, as of September 9, 2026
| Type | Name |
|---|---|
| State | Delaware |
| County | Kent County |
| Municipality | Smyrna Town |
| Unified School District | Smyrna School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $922.00 (+1.43%) | $216,900 Land $38,400 Building $178,500 |
| 2025 | $909.00 | |
| 2023 | $547.00 | $20,600 Land $3,500 Building $17,100 |
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.
FEMA maps place 2 N Howard St in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 4 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 risk around 2 N Howard St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 87% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SMYRNA WATER DEPARTMENT serves 11,813 people · EPA ID DE0000657 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 524 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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