225 S Bay Dr, Dover, DE 19901 Property Records

Kent County property record for 225 S Bay Dr, Dover, DE 19901

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 760 sqft · built 1896
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Feb 2022)
Tax Bill	$1,823 (2026)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`2-00-097.20-02-27.00-000`

Property Details

APN / Parcel Number

Primary APN	`2-00-097.20-02-27.00-000`
Alternative APNs	`ED00097.200227.00/000` `52002` `60510`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	760 sqft Living Area

Exterior

Year Built	Built 1896
Effective Year Built	Effective 1896
Architectural Style	Cottage
Exterior Material	Wood
Construction Type	Frame
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	191 ft deep x 51.2 ft wide
View / Lot	Major Street/Thoroughfare
Porch	Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	None
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	60510
Street Address	225 S BAY DR
City	DOVER
State	DE
Zip	19901-7003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	HUESMAN SUBD LOT 78 225 SOUTH BAY DRIVE
Legal Subdivision	HUESMAN SUBDIVISION
Legal Lot Number	78
Jurisdiction	KENT DE
Township / Civil Division	DOVER
Census Block Group	1
Census Block	1084
Census Tract	43202

Owner

225 S Bay Dr is owned and occupied by two individuals who bought it in February 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	225 S BAY DR, DOVER, DE 19901-7003
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	2 Names on Deed
Last Sale	Feb 7, 2022 · Amount on File
Deed Sale	Feb 7, 2022 · Amount on File
Prior Sale	Dec 20, 2011 · Amount on File
Deed Document Number	2022443515
Deed Book / Page	11738 / 73
Prior Transfer Date	Apr 1, 2005
Prior Transfer Doc	0000050209
Record Updated	Oct 29, 2026

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT DE
Recording Date	Feb 7, 2022
Property Address	225 S BAY DR, DOVER, DE 19901
Document Number	0000443515
Book / Page	11738 / 73
Map Reference	MB 28 PG 65
Instrument Date	Feb 4, 2022
Instrument	2022-443515
Transaction Type	Transfer
Record Updated	Feb 16, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$14,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	225 S BAY DR, 225, DOVER, DE 19901

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	208 FOREST RD # 15, 15, LITTLE NECK, NY 11363-1303

Mortgage

Document Number	0000443516
Date	Feb 7, 2022
Instrument	2022-443516

Lender

Name	OCEANFIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 225 S Bay Dr was $1,823, up 23.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$1,823.00 (+23.26%)	$372,900 Land $270,300 Building $102,600
2025	$1,479.00
2023	$267.00	$10,600 Land $4,700 Building $5,900

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 225 S Bay Dr in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective May 25, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 80 policies
Nearby Flood Policies	80 in force
Nearby Flood Claims	76 (1980–2025)
Claims Outside the SFHA	7 of 76
Most Recent Claim	Oct 2025 · tidal / storm surge
Claims by Event	Hurricane Irene, Aug 2011 · 3 claims Severe Coastal Storm, Jan 1992 · 3 claims

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 225 S Bay 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 99.8% of the US · lower than 99.1% 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	KITTS HUMMOCK IMPROVEMENT ASSOC private · serves 305 people · EPA ID DE0000545
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	7 ppb (2013–2021) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35

Cell Coverage

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

Nearby Properties on S Bay Dr

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