20697 Cool Spring Rd, Milton, DE 19968 Property Records

Sussex County property record for 20697 Cool Spring Rd, Milton, DE 19968

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,008 sqft · built 1987
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Aug 2021)
Tax Bill	$830 (2025)
Deeds & Mortgages	Nov 2021 Reverse Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`234-5.00-67.00`

Property Details

APN / Parcel Number

Primary APN	`234-5.00-67.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,008 sqft Living Area
Gross Area	1,568 sqft
Elevator	Elevator

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	44,867 sqft (1.03 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Electric

Location & Zoning

Street Address	20697 COOL SPRING RD
City	MILTON
State	DE
Zip	19968-3225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR-1
Legal Description	FIELD CREST LOT 3
Legal Subdivision	MILTON
Legal Lot Number	3
Jurisdiction	SUSSEX DE
Township / Civil Division	MILTON
Census Block Group	2
Census Block	2031
Census Tract	50804

Owner

Source: Sussex County records, as of May 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	8920 CODS RD, MILFORD, DE 19963-4634
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2021	Deed of Trust, Mortgage · Reverse Mortgage PNC BANK NA
Aug 11, 2021	Deed, Transfer · Stand-Alone First Mortgage ATLANTIC BAY MORTGAGE GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2021 · Amount on Record
Deed Sale	Aug 11, 2021 · Amount on Record
Prior Sale	Oct 17, 1987 · Amount on Record
Deed Document Number	202150884
Deed Book / Page	5528 / 136
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUSSEX DE
Property Address	20697 COOL SPRING RD, MILTON, DE 19968-3225
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0205170277
Date	Nov 16, 2021
Book Page	20517/277
Instrument	20210000070515

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Dec 1, 2061

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SUSSEX DE
Recording Date	Aug 11, 2021
Property Address	20697 COOL SPRING RD, MILTON, DE 19968-3225
Document Number	0055280136
Book / Page	5528 / 136
Instrument Date	Aug 6, 2021
Instrument	20210000050884
Transaction Type	Transfer
Record Updated	May 30, 2023

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
Address	8920 CODS RD, MILFORD, DE 19963-4634

Mortgage

Document Number	0201770001
Date	Aug 11, 2021
Book Page	20177/1
Instrument	20210000050885

Lender

Name	ATLANTIC BAY MORTGAGE GROUP

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

Source: Sussex County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Delaware
County	Sussex County
Unified School District	Cape Henlopen School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$830.00 (+5.06%)	$16,050 (-) Land $1,550 Building $14,500	$393,000 (+1,124.3%) Land $100,400 Building $292,600
2023	$790.00	$16,050 Land $1,550 Building $14,500	$32,100 Land $3,100 Building $29,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 17, 2025 · 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 33 policies
Nearby Flood Policies	33 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 80% of the US · above 47% of Delaware
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fiber	980 / 880

May also be available: Xfinity.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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