221 Coldwater Dr, Clayton, DE 19938 Property Records

Kent County property record for 221 Coldwater Dr, Clayton, DE 19938

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,425 sqft · built 2006
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$434,900 (Oct 2020)
Tax Bill	$2,107 (2026)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-04-018.04-05-51.00-000`

Property Details

APN / Parcel Number

Primary APN	`3-04-018.04-05-51.00-000`
Alternative APNs	`KH04018.040551.00/000` `80344` `86535`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,425 sqft Living Area
Basement Area	1,771 sqft
Finished Basement	1,330 sqft
Unfinished Basement	441 sqft
Game Room	Game Room

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	135 ft deep x 125 ft wide
View / Lot	Major Street/Thoroughfare
Garage Type	Finished
Garage Area	408 sqft
Parking Spaces	2 Parking Spaces
Pool Area	525 sqft
Porch	Porch
Porch Area	204 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Account Number	86535
Street Address	221 COLDWATER DR
City	CLAYTON
State	DE
Zip	19938-3917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	PROVIDENCE CROSSING, LOT #135 221 COLDWATER DRIVE
Legal Subdivision	PROVIDENCE CROSSING
Legal Lot Number	135
Jurisdiction	KENT DE
Township / Civil Division	SMYRNA
Census Block Group	2
Census Block	2006
Census Tract	40204

Owner

221 Coldwater Dr is owned and occupied by an individual who bought it in October 2020.

Source: Kent County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	221 COLDWATER DR, CLAYTON, DE 19938-3917
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2020 · Amount on File
Deed Sale	Oct 13, 2020 · Amount on File
Prior Sale	May 30, 2006 · Amount on File
Deed Document Number	2020397372
Deed Book / Page	10488 / 306
Record Updated	Oct 29, 2026

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT DE
Recording Date	Oct 13, 2020
Property Address	221 COLDWATER DR, CLAYTON, DE 19938-3917
Document Number	0000397372
Book / Page	10488 / 306
Map Reference	MB 87 PG 27
Instrument Date	Oct 9, 2020
Instrument	2020-397372
Transaction Type	Transfer
Record Updated	Jun 11, 2021

Transaction

Amount	Amount on Record
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
Relationship	Tenants in Severalty
Address	221 COLDWATER DR, CLAYTON, DE 19938-3917

Mortgage

Document Number	0000397373
Date	Oct 13, 2020
Instrument	2020-397373

Lender

Name	HUNTINGDON VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 221 Coldwater Dr was $2,107, up 1.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$2,107.00 (+1.4%)	$495,700 Land $66,600 Building $429,100
2025	$2,078.00
2023	$2,250.00	$84,700 Land $4,100 Building $80,600

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

FEMA maps place 221 Coldwater Dr 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	1 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

Wildfire risk around 221 Coldwater Dr 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 98% of the US · lower than 91% 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.

Drinking Water

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

Water System	ARTESIAN NORTHERN KENT REGIONAL private · serves 7,014 people · EPA ID DE00A0673
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	Under 1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 367 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880