227 Delaware River Dr, Clayton, DE 19938 Property Records

Kent County property record for 227 Delaware River Dr, Clayton, DE 19938

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,392 sqft · built 2018
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$324,990 (Oct 2018)
Tax Bill	$137 (2026)
Deeds & Mortgages	Nov 2025 Second Mortgage Jan 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`3-04-027.02-02-12.00-000`

Property Details

APN / Parcel Number

Primary APN	`3-04-027.02-02-12.00-000`
Alternative APNs	`KH04027.020212.00/000` `80496` `86687`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,392 sqft Living Area
Basement Area	1,789 sqft
Finished Basement	783 sqft
Unfinished Basement	1,006 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	140 ft deep x 82.3 ft wide
View / Lot	Major Street/Thoroughfare
Garage Type	Finished
Garage Area	436 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	56 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	86687
Street Address	227 DELAWARE RIVER DR
City	CLAYTON
State	DE
Zip	19938-3962
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	PROVIDENCE CROSSING LOT 235 227 DELAWARE RIVER DR
Legal Subdivision	PROVIDENCE CROSSING
Legal Lot Number	235
Jurisdiction	KENT DE
Township / Civil Division	SMYRNA
Census Block Group	2
Census Block	2026
Census Tract	40204

Owner

227 Delaware River Dr is owned and occupied by two individuals who bought it in October 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	227 DELAWARE RIVER DR, CLAYTON, DE 19938-3962
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

Date	Document
Nov 26, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOWER FCU
Jan 12, 2021	Deed of Trust, Mortgage · VA Mortgage KS STATEBANK
Oct 8, 2021	Deed of Trust, Mortgage · VA Mortgage KS STATEBANK
Mar 31, 2020	Deed of Trust, Mortgage · VA Mortgage KS STATEBANK
Jul 11, 2019	Deed of Trust, Mortgage · VA Mortgage KS STATEBANK
Oct 31, 2018	Deed, Transfer · VA Mortgage NVR MORTGAGE FINANCE INC
Feb 7, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2018 · Amount on File
Deed Sale	Oct 31, 2018 · Amount on File
Prior Sale	Feb 7, 2018 · Amount on File
Deed Document Number	2018350876
Deed Book / Page	9351 / 249
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT DE
Property Address	227 DELAWARE RIVER DR, CLAYTON, DE 19938-3962
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000525654
Date	Nov 26, 2025
Book Page	13905/16
Instrument	2025-525654

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	179 Months
Due	Oct 15, 2040

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT DE
Property Address	227 DELAWARE RIVER DR, CLAYTON, DE 19938-3962
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000405620
Date	Jan 12, 2021
Book Page	10711/248
Instrument	2021-405620

Lender

Name	KS STATEBANK
Type	Bank
Address	MANHATTAN, KS 66502

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT DE
Property Address	227 DELAWARE RIVER DR, CLAYTON, DE 19938-3962
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000432152
Date	Oct 8, 2021
Book Page	11441/49
Instrument	2021-432152

Lender

Name	KS STATEBANK
Type	Bank
Address	MANHATTAN, KS 66502

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT DE
Property Address	227 DELAWARE RIVER DR, CLAYTON, DE 19938-3962
Document Number	0000383443
Instrument Date	Mar 31, 2020
Transaction Type	Mortgage
Record Updated	Jun 12, 2020
Title Company	AMERICAN LAND TITLE ASSOCIATION, AMERICAN LAND TITLE ASSN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	227 DELAWARE RIVER DR CLAYTON DE 199383962, CLAYTON, DE 19938-3962

Mortgage

Document Number	0000383443
Date	Apr 8, 2020
Book Page	010120/000208
Instrument	383443

Lender

Name	KS STATEBANK
Address	MANHATTAN, KS 66502

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 7, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT DE
Property Address	227 DELAWARE RIVER DR, CLAYTON, DE 19938-3962
Document Number	0000365538
Instrument Date	Jul 11, 2019
Transaction Type	Mortgage
Record Updated	Jul 30, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	227 DELAWARE RIVER DR CLAYTON DE 199383962, CLAYTON, DE 19938-3962

Mortgage

Document Number	0000365538
Date	Jul 18, 2019
Book Page	009678/000080
Instrument	365538

Lender

Name	KS STATEBANK
Address	MANHATTAN, KS 66502

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 17, 2049

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT DE
Recording Date	Oct 31, 2018
Property Address	227 DELAWARE RIVER DR, CLAYTON, DE 19938-3962
Document Number	0000350876
Book / Page	9351 / 249
Map Reference	MB 87 PG 27-36
Instrument Date	Oct 26, 2018
Instrument	2018-350876
Transaction Type	Transfer
Record Updated	Jul 27, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,999.60
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 by the Entirety

Mortgage

Document Number	0000350877
Date	Oct 31, 2018
Instrument	2018-350877

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENT DE
Recording Date	Feb 7, 2018
Property Address	227 DELAWARE RIVER DR, CLAYTON, DE 19938-3962
Document Number	0000335181
Book / Page	008995 / 000197
Instrument Date	Feb 2, 2018
Instrument	335181
Transaction Type	Transfer
Record Updated	Feb 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$855.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2500 WRANGLE HILL RD #210 BEAR DE 197013838, 210, BEAR, DE 19701-3838
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 227 Delaware River Dr was $137, up 2.2% 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	$137.00 (+2.24%)	$400,200 Land $66,900 Building $333,300
2025	$134.00
2023	$1,660.00	$62,500 Land $4,100 Building $58,400

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 227 Delaware River 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 227 Delaware River 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 99.1% of the US · lower than 95% 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

Cell Coverage

5G (outdoors only) and 4G LTE

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