316 N Bay Dr, Dover, DE 19901 Property Records

Kent County property record for 316 N Bay Dr, Dover, DE 19901

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,348 sqft · built 2021
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$416,500 (Oct 2018)
Tax Bill	$2,745 (2026)
Deeds & Mortgages	Feb 2018 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`2-00-097.16-01-39.00-000`

Property Details

APN / Parcel Number

Primary APN	`2-00-097.16-01-39.00-000`
Alternative APNs	`ED00097.160139.00/000` `7955`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,348 sqft Living Area
Basement Area	240 sqft
Finished Basement	240 sqft
Unfinished Basement	240 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Shingle
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	119 ft deep x 0.1 ft wide
View / Lot	Major Street/Thoroughfare
Porch	Slab
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	7955
Street Address	316 N BAY DR
City	DOVER
State	DE
Zip	19901-7008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	KITTS HUMMOCK LOT 23 & PT OF 22 316 NORTH BAY DRIVE
Legal Subdivision	KITTS HUMMOCK - NORTH
Legal Lot Number	23
Jurisdiction	KENT DE
Township / Civil Division	DOVER
Census Block Group	1
Census Block	1074
Census Tract	43202

Owner

316 N Bay 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	316 N BAY DR, DOVER, DE 19901-7008
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
Feb 6, 2018	Deed of Trust, Mortgage DEXSTA FCU
Oct 16, 2018	Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2018 · Amount on File
Deed Sale	Oct 16, 2018 · Amount on File
Prior Sale	Oct 1, 2002 · Amount on File
Deed Document Number	2018349831
Deed Book / Page	9330 / 212
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT DE
Property Address	316 N BAY DR, DOVER, DE 19901-7008
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000335066
Date	Feb 6, 2018
Book Page	8993/327
Instrument	2018-335066

Lender

Name	DEXSTA FCU
Type	Credit Union
Address	WILMINGTON, DE 19803

Agreement

Amount	Amount on Record
Term	60 Months
Due	Feb 1, 2023

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT DE
Recording Date	Oct 16, 2018
Property Address	316 N BAY DR, DOVER, DE 19901-7008
Document Number	0000349831
Book / Page	9330 / 212
Map Reference	MB65 PG38
Instrument Date	Oct 12, 2018
Instrument	2018-349831
Transaction Type	Transfer
Record Updated	Sep 6, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$16,660.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	316 N BAY DR, 316, DOVER, DE 19901-7008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14402 S FIRGROVE WAY, HERRIMAN, UT 84096-4835

Mortgage

Document Number	0000349832
Date	Oct 16, 2018
Instrument	2018-349832

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 316 N Bay Dr was $2,745, up 23% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$2,745.00 (+22.98%)	$556,500 Land $271,600 Building $284,900
2025	$2,232.00
2023	$1,335.00	$51,900 Land $4,700 Building $47,200

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 316 N Bay Dr in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective May 25, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 80 policies
Nearby Flood Policies	80 in force
Nearby Flood Claims	76 (1980–2025)
Claims Outside the SFHA	7 of 76
Most Recent Claim	Oct 2025 · tidal / storm surge
Claims by Event	Hurricane Irene, Aug 2011 · 3 claims Severe Coastal Storm, Jan 1992 · 3 claims

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 316 N Bay 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	KITTS HUMMOCK IMPROVEMENT ASSOC private · serves 305 people · EPA ID DE0000545
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	7 ppb (2013–2021) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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