2081 Downs Chapel Rd, Clayton, DE 19938 Property Records

Kent County property record for 2081 Downs Chapel Rd, Clayton, DE 19938 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,680 sqft · built 1940
Lot Size	0.62 acres (27,007 sqft)
Owner	Individual Name on File
Last Sale	$284,900 (Jan 2022)
Tax Bill	$1,267 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jan 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-00-043.00-01-80.00-000`

Property Details

APN / Parcel Number

Primary APN	`3-00-043.00-01-80.00-000`
Alternative APNs	`KH00043.000180.00/000` `20541`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,680 sqft Living Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Other
Exterior Material	Wood
Construction Type	Frame
Lot Area	27,007 sqft (0.62 acres)
Lot Dimensions	150 ft deep x 181 ft wide
View / Lot	Major Street/Thoroughfare
Porch	Slab
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	20541
Street Address	2081 DOWNS CHAPEL RD
City	CLAYTON
State	DE
Zip	19938-2039
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W. SD. CO. RD. 95, 0.624A 2081 DOWNS CHAPEL RD.
Jurisdiction	KENT DE
Township / Civil Division	KENTON
Census Block Group	1
Census Block	1015
Census Tract	40100

Owner

Source: Kent County records · APN 3-00-043.00-01-80.00-000

Assessment roll updated September 8, 2025 · Last verified August 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 File
Mailing Address	2081 DOWNS CHAPEL RD, CLAYTON, DE 19938-2039
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 04, 2026	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Jan 12, 2022	Deed, Transfer · FHA Mortgage MERIDIAN BANK
Jan 20, 2021	Deed of Trust, Mortgage · Commercial Mortgage SHALLCROSS MORTGAGE COMPANY
Jan 12, 2021	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 12, 2022 · Amount on Record
Deed Sale	Jan 12, 2022 · Amount on Record
Prior Sale	Jan 12, 2021 · Amount on Record
Deed Document Number	2022441515
Deed Book / Page	11685 / 246
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT DE
Recording Date	Jun 04, 2026
Property Address	2081 DOWNS CHAPEL RD, CLAYTON, DE 19938-2039
Document Number	0000537286
Book / Page	14230 / 303
Instrument Date	May 08, 2026
Instrument	2026537286
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	2081 DOWNS CHAPEL RD, CLAYTON, DE 19938-2039

Mortgage

Document Number	0000537286,
Date	Jun 04, 2026
Book Page	14230/303
Instrument	2026537286

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	308 Months
Due	Feb 01, 2052

Interest

Rate	6.37%
Max Rate	-1%

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT DE
Recording Date	Jan 12, 2022
Property Address	2081 DOWNS CHAPEL RD, CLAYTON, DE 19938-2039
Document Number	0000441515
Book / Page	11685 / 246
Instrument Date	Jan 11, 2022
Instrument	2022-441515
Transaction Type	Transfer
Record Updated	Jan 26, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,698.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 LEIGH CT, 3, WILMINGTON, DE 19808-1402

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2081 DOWNS CHAPEL RD, CLAYTON, DE 19938-2039

Mortgage

Document Number	0000441516
Date	Jan 12, 2022
Instrument	2022-441516

Lender

Name	MERIDIAN BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2052

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT DE
Property Address	2081 DOWNS CHAPEL RD, CLAYTON, DE 19938-2039
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000406469
Date	Jan 20, 2021
Book Page	10738/137
Instrument	2021-406469

Lender

Name	SHALLCROSS MORTGAGE COMPANY
Type	Mortgage Company
Address	WILMINGTON, DE 19808

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 14, 2022

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENT DE
Recording Date	Jan 12, 2021
Property Address	2081 DOWNS CHAPEL RD, CLAYTON, DE 19938-2039
Document Number	0000405737
Book / Page	010714 / 000241
Instrument Date	Dec 11, 2020
Instrument	405737
Transaction Type	Transfer
Record Updated	Feb 05, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$750.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3 LEIGH CT WILMINGTON DE 198081402, WILMINGTON, DE 19808-1402

Tax Assessment & Valuation

Source: Kent County records · Assessment roll updated September 8, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Delaware
County	Kent County
Unified School District	Smyrna School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value
2025	$1,267.00 (+118.83%)	$300,900 (+1,293.06%) Land $78,400 Building $222,500
2023	$579.00	$21,600 Land $6,800 Building $14,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kent County (10001C), updated May 25, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 100010401001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2010–2018)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 2018, river or lake flooding

Wildfire

Wildfire Risk	Low above 20% of the US · above 47% of Delaware
Wildfire Likelihood	About 1 in 7,692 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 60 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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