2388 Downs Chapel Rd, Clayton, DE 19938 Property Records

Kent County property record for 2388 Downs Chapel Rd, Clayton, DE 19938

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,540 sqft · built 1974
Lot Size	5.3 acres (230,868 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Jul 1999)
Tax Bill	$1,572 (2026)
Deeds & Mortgages	Aug 2023 Line of Credit Aug 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-00-043.00-01-43.00-000`

Property Details

APN / Parcel Number

Primary APN	`3-00-043.00-01-43.00-000`
Alternative APNs	`KH00043.000143.00/000` `19229`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,540 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	230,868 sqft (5.3 acres)
Lot Width	4.3 ft Width
View / Lot	Major Street/Thoroughfare
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	19229
Street Address	2388 DOWNS CHAPEL RD
City	CLAYTON
State	DE
Zip	19938-2012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	N.E. SD. CO. RD. #95, BET. PEARSON'S GROVE & DOWNS CHAPEL, 4.772 A
Jurisdiction	KENT DE
Township / Civil Division	KENTON
Census Block Group	1
Census Block	1016
Census Tract	40100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2388 DOWNS CHAPEL RD, CLAYTON, DE 19938-2012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Aug 26, 2021	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Dec 30, 2019	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Sep 2, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 1999 · Amount on Record
Deed Sale	Jul 1, 1999 · Amount on Record
Deed Document Number	1999323 57
Last Transfer Date	Aug 25, 2020
Transfer Doc	0000393967
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT DE
Property Address	2388 DOWNS CHAPEL RD, CLAYTON, DE 19938-2012
Transaction Type	Mortgage
Record Updated	Aug 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2388 DOWNS CHAPEL RD, CLAYTON, DE 19938-2012

Mortgage

Document Number	0000478024
Date	Aug 11, 2023
Book Page	12590/18
Instrument	2023-478024

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Jul 11, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT DE
Property Address	2388 DOWNS CHAPEL RD, CLAYTON, DE 19938-2012
Transaction Type	Mortgage
Record Updated	Sep 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2388 DOWNS CHAPEL RD, CLAYTON, DE 19938-2012

Mortgage

Document Number	0000428019
Date	Aug 26, 2021
Book Page	11329/275
Instrument	2021-428019

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT DE
Property Address	2388 DOWNS CHAPEL RD, CLAYTON, DE 19938-2012
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000376794
Date	Dec 30, 2019
Book Page	9955/318
Instrument	2019-376794

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENT DE
Recording Date	Sep 2, 2020
Property Address	2388 DOWNS CHAPEL RD, CLAYTON, DE 19938-2012
Document Number	0000393967
Book / Page	10400 / 118
Instrument Date	Aug 25, 2020
Instrument	2020-393967
Transaction Type	Transfer
Record Updated	Sep 6, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2388 DOWNS CHAPEL RD, CLAYTON, DE 19938-2012

Mortgage

Document Number	0000393968
Date	Sep 2, 2020
Book Page	10400/122
Instrument	2020-393968

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$1,572.00 (+1.35%)	$367,100 (+780.34%) Land $111,100 Building $256,000
2025	$1,551.00 (+38.61%)
2023	$1,119.00	$41,700 Land $8,700 Building $33,000

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
Flood Insurance Requirement	Not required lenders may require it
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

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 65% of the US · above 74% of Delaware
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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