21 Elm Ter, Dover, DE 19901 Property Records

Kent County property record for 21 Elm Ter, Dover, DE 19901

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,632 sqft · built 1940
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Sep 2015)
Tax Bill	$1,497 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2-05-077.09-05-51.00-000`

Property Details

APN / Parcel Number

Primary APN	`2-05-077.09-05-51.00-000`
Alternative APNs	`ED05077.090551.00/000` `5336`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,632 sqft Living Area
Basement Area	768 sqft
Unfinished Basement	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Other
Exterior Material	Wood
Construction Type	Frame
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	120 ft deep x 55.6 ft wide
View / Lot	Major Street/Thoroughfare
Garage Type	Detached
Porch	Slab
Porch Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	5336
Street Address	21 ELM TER
City	DOVER
State	DE
Zip	19901-3603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	N. SIDE ELM TERRACE, LOT #5, 21 ELM TERRACE
Legal Subdivision	ELM TERRACE
Legal Lot Number	5
Jurisdiction	KENT DE
Township / Civil Division	DOVER
Census Block Group	2
Census Block	2024
Census Tract	41300

Owner

Source: Kent County records, as of August 10, 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	21 ELM TER, DOVER, DE 19901-3603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage DELAWARE STATE
Jul 22, 2026	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2015 · Amount on Record
Deed Sale	Sep 29, 2015 · Amount on Record
Deed Document Number	2015283017
Deed Book / Page	7802 / 239
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT DE
Recording Date	Jul 22, 2026
Property Address	21 ELM TER, DOVER, DE 19901-3603
Document Number	0000540691
Book / Page	14323 / 261
Instrument Date	Jul 13, 2026
Instrument	2026540691
Transaction Type	Mortgage
Record Updated	Aug 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000540691,
Date	Jul 22, 2026
Book Page	14323/261
Instrument	2026540691

Lender

Name	DELAWARE STATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.52%
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT DE
Recording Date	Jul 22, 2026
Property Address	21 ELM TER, DOVER, DE 19901-3603
Document Number	0000540690
Book / Page	14323 / 233
Instrument Date	Jul 13, 2026
Instrument	2026540690
Transaction Type	Mortgage
Record Updated	Aug 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167

Mortgage

Document Number	0000540690,
Date	Jul 22, 2026
Book Page	14323/233
Instrument	2026540690

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.52%
Max Rate	-1%

Tax Assessment & Valuation

Source: Kent County assessment roll, as of September 8, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$1,497.00 (+16.68%)	$254,700 (+484.17%) Land $79,400 Building $175,300
2023	$1,283.00	$43,600 Land $13,400 Building $30,200

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
Nearby Flood Policies	2 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 98% of the US · lower than 91% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DOVER WATER DEPARTMENT serves 39,491 people · EPA ID DE0000571
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 268 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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