Kent County property record for 3 Waterwheel Cir, Dover, DE 19901
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,146 sqft · built 1992 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $45,500 (May 1992) |
| Tax Bill | $3,060 (2026) |
| Deeds & Mortgages | Sep 2026 Line of Credit Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 7-00-095.09-05-20.00-000 |
| Primary APN | 7-00-095.09-05-20.00-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,146 sqft Living Area |
| Basement Area | 1,432 sqft |
| Finished Basement | 1,092 sqft |
| Unfinished Basement | 340 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 20,038 sqft (0.46 acres) |
| Lot Dimensions | 150 ft deep x 155 ft wide |
| View / Lot | Major Street/Thoroughfare |
| Garage Type | Finished |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 252 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Water Source | Well |
| Account Number | 34448 |
|---|---|
| Street Address | 3 WATERWHEEL CIR |
| City | DOVER |
| State | DE |
| Zip | 19901-6261 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS1 |
| Legal Description | OLD MILL ACRES SEC 2 LOT 106 3 WATERWHEEL CIR |
| Legal Subdivision | OLD MILL ACRES - SECTION 2 |
| Legal Lot Number | 106 |
| Jurisdiction | KENT DE |
| Township / Civil Division | DOVER |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 41702 |
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 | 3 WATERWHEEL CIR, DOVER, DE 19901-6261 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 11, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jan 27, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Aug 27, 2019 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 1992 · Amount on Record |
| Deed Sale | May 1, 1992 · Amount on Record |
| Deed Document Number | 1992143 48 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT DE |
| Recording Date | Sep 11, 2026 |
| Property Address | 3 WATERWHEEL CIR, DOVER, DE 19901-6261 |
| Document Number | 0000544105 |
| Book / Page | 14417 / 12 |
| Instrument Date | Aug 31, 2026 |
| Instrument | 2026544105 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3 WATERWHEEL CIR, DOVER, DE 19901-6261 |
| Document Number | 0000544105, |
|---|---|
| Date | Sep 11, 2026 |
| Book Page | 14417/12 |
| Instrument | 2026544105 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 4, 2051 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT DE |
| Property Address | 3 WATERWHEEL CIR, DOVER, DE 19901-6261 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000442760 |
|---|---|
| Date | Jan 27, 2022 |
| Book Page | 11718/221 |
| Instrument | 2022-442760 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT DE |
| Property Address | 3 WATERWHEEL CIR, DOVER, DE 19901-6261 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000368200 |
|---|---|
| Date | Aug 27, 2019 |
| Book Page | 9741/166 |
| Instrument | 2019-368200 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Aug 12, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Kent County assessment roll, as of September 9, 2026
| Type | Name |
|---|---|
| State | Delaware |
| County | Kent County |
| Unified School District | Caesar Rodney School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $3,060.00 (+18.88%) | $513,000 (+442.86%) Land $100,000 Building $413,000 |
| 2025 | $2,574.00 (-11.03%) | |
| 2023 | $2,893.00 | $94,500 Land $15,100 Building $79,400 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 5 in force |
| Nearby Flood Claims | 2 (1979–2008) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2008 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 87% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CAMDEN PUMP DISTRICT serves 17,208 people · EPA ID DE0000124 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 146 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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