3 N Cummings Dr, Middletown, DE 19709 Property Records

New Castle County property record for 3 N Cummings Dr, Middletown, DE 19709

Property Summary

Property Type	Duplex
Details	3 bd · 3 ba · 2,015 sqft · built 2003
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Mar 2006)
Tax Bill	$3,352 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-020.00-036`

Property Details

APN / Parcel Number

Primary APN	`23-020.00-036`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,015 sqft Living Area
1st Floor Area	1,286 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	125 ft deep x 154 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3 N CUMMINGS DR
City	MIDDLETOWN
State	DE
Zip	19709-1666
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	23R-3
Legal Subdivision	MIDDLETOWN CROSSING
Legal Lot Number	234
Jurisdiction	NEW CASTLE DE
Township / Civil Division	MIDDLETOWN-ODESSA
Census Block Group	1
Census Block	1007
Census Tract	16614

Owner

Source: New Castle County assessment roll, as of April 13, 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 File
Mailing Address	3 N CUMMINGS DR, MIDDLETOWN, DE 19709-1666
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2022	Deed of Trust, Mortgage · Line of Credit WILMINGTON SAVINGS FUND SOCIETY FSB
Dec 3, 2020	Deed, Transfer · Conventional Mortgage PIKE CREEK MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 15, 2006 · Amount on Record
Deed Sale	Mar 15, 2006 · Amount on Record
Prior Sale	Oct 6, 2003 · Amount on Record
Deed Document Number	200625571
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW CASTLE DE
Property Address	3 N CUMMINGS DR, MIDDLETOWN, DE 19709-1666
Transaction Type	Mortgage
Record Updated	Nov 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 N CUMMINGS DR, MIDDLETOWN, DE 19709-1666

Mortgage

Document Number	0000102107
Date	Oct 26, 2022
Instrument	20221026-0102107

Lender

Name	WILMINGTON SAVINGS FUND SOCIETY FSB
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	NEW CASTLE DE
Recording Date	Dec 3, 2020
Property Address	3 N CUMMINGS DR, MIDDLETOWN, DE 19709-1666
Document Number	0000109618
Map Reference	DOC 2000304-29005091
Instrument Date	Nov 20, 2020
Instrument	20201203-0109618
Transaction Type	Transfer
Record Updated	Jul 27, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3 N CUMMINGS DR, MIDDLETOWN, DE 19709-1666

Mortgage

Document Number	0000109622
Date	Dec 3, 2020
Instrument	20201203-0109622

Lender

Name	PIKE CREEK MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: New Castle County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Delaware
County	New Castle County
Municipality	Middletown Town
Unified School District	Appoquinimink School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$3,352.00 (+23.55%)	$498,600 (+465.95%) Land $67,300 Building $431,300
2023	$2,713.00 (+0.18%)	$88,100 (-) Land $9,100 Building $79,000
2022	$2,708.00	$88,100 Land $9,100 Building $79,000

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 January 21, 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 84% of Delaware
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

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

Water System	WILLOW GROVE MILL serves 3,090 people · EPA ID DE0020122
Water Source	Purchased groundwater from ARTESIAN WATER COMPANY
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023) 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 338 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cogeco Cable Holdings II Cable	1,000 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: Xfinity.

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