3078 Downs Chapel Rd, Clayton, DE 19938 Property Records

Kent County property record for 3078 Downs Chapel Rd, Clayton, DE 19938

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,904 sqft · built 2006
Lot Size	0.67 acres (29,185 sqft)
Owner	2 Individual Names on Record
Last Sale	$278,000 (Dec 2023)
Tax Bill	$649 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-00-043.00-01-07.00-000`

Property Details

APN / Parcel Number

Primary APN	`3-00-043.00-01-07.00-000`
Alternative APNs	`KH00043.000107.00/000` `19354`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,904 sqft Living Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Mobile/Manufactured
Lot Area	29,185 sqft (0.67 acres)
Lot Dimensions	235 ft deep x 181 ft wide
View / Lot	Major Street/Thoroughfare
Porch	Porch
Porch Area	224 sqft

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	19354
Street Address	3078 DOWNS CHAPEL RD
City	CLAYTON
State	DE
Zip	19938-2018
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	AR
Legal Description	E. SD. RD. BLANCO TO DOWNS CHAPEL, LOT 3078 DOWN CHAPEL RD
Legal Subdivision	EDITH CARTER PROPERTY
Legal Lot Number	3078
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	3078 DOWNS CHAPEL RD, CLAYTON, DE 19938-2018
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Dec 22, 2023	Deed, Transfer · FHA Mortgage PROSPERITY HOME MORTGAGE LLC
Sep 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage CITADEL FCU
Mar 11, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2023 · Amount on Record
Deed Sale	Dec 22, 2023 · Amount on Record
Prior Sale	Mar 11, 2021 · Amount on Record
Deed Document Number	2023486266
Deed Book / Page	12803 / 32
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT DE
Recording Date	Jun 25, 2026
Property Address	3078 DOWNS CHAPEL RD, CLAYTON, DE 19938-2018
Document Number	0000538755
Book / Page	14272 / 13
Instrument Date	Jun 5, 2026
Instrument	2026538755
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3078 DOWNS CHAPEL RD, CLAYTON, DE 19938-2018
Investor	Possibly a Property Investor

Mortgage

Document Number	0000538755,
Date	Jun 25, 2026
Book Page	14272/13
Instrument	2026538755

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	340 Months
Due	Oct 1, 2054

Interest

Rate	6.37%
Max Rate	-1%

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT DE
Recording Date	Dec 22, 2023
Property Address	3078 DOWNS CHAPEL RD, CLAYTON, DE 19938-2018
Document Number	0000486266
Book / Page	12803 / 32
Instrument Date	Dec 5, 2023
Instrument	2023-486266
Transaction Type	Transfer
Record Updated	Feb 16, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,560.00
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
Address	3078 DOWNS CHAPEL RD, CLAYTON, DE 19938-2018

Mortgage

Document Number	0000486267
Date	Dec 22, 2023
Instrument	2023-486267

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT DE
Property Address	3078 DOWNS CHAPEL RD, CLAYTON, DE 19938-2018
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000326479
Date	Sep 15, 2017
Book Page	8794/100
Instrument	2017-326479

Lender

Name	CITADEL FCU
Type	Credit Union
Address	EXTON, PA 19341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2032

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT DE
Recording Date	Mar 11, 2021
Property Address	3078 DOWNS CHAPEL RD, CLAYTON, DE 19938-2018
Document Number	0000411464
Book / Page	10879 / 201
Instrument Date	Jan 22, 2021
Instrument	2021-411464
Transaction Type	Transfer
Record Updated	Sep 6, 2021

Transaction

Amount	Amount Recorded
Tax	$3,284.10
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1295, SEAFORD, DE 19973-5295

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	$649.00 (+1.41%)	$152,600 (-) Land $79,200 Building $73,400
2025	$640.00 (-12.33%)	$152,600 (+454.91%) Land $79,200 Building $73,400
2023	$730.00	$27,500 Land $7,000 Building $20,500

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 66% of the US · above 72% 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 36 locations within half a mile, as of December 31, 2025

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

Cell Coverage

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

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