34 N Cummings Dr, Middletown, DE 19709 Property Records

New Castle County property record for 34 N Cummings Dr, Middletown, DE 19709

Property Summary

Property Type	Duplex
Details	3 bd · 2.5 ba · 1,875 sqft · built 2004
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$340,000 (Aug 2021)
Tax Bill	$3,419 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage May 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`23-020.00-019`

Property Details

APN / Parcel Number

Primary APN	`23-020.00-019`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,875 sqft Living Area
1st Floor Area	1,146 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	125 ft deep x 40 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	34 N CUMMINGS DR
City	MIDDLETOWN
State	DE
Zip	19709-1665
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	23R-3
Legal Description	L183 184
Legal Subdivision	MIDDLETOWN CROSSING
Legal Lot Number	184
Jurisdiction	NEW CASTLE DE
Township / Civil Division	MIDDLETOWN-ODESSA
Census Block Group	1
Census Block	1002
Census Tract	16614

Owner

Source: New Castle County records, as of May 6, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	34 N CUMMINGS DR, MIDDLETOWN, DE 19709-1665
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2021	Deed, Transfer · FHA Mortgage PIKE CREEK MORTGAGE SERVICES INC
May 3, 2019	Deed of Trust, Mortgage · Line of Credit WILMINGTON SAVINGS FUND SOCIETY FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2021 · Amount on Record
Deed Sale	Aug 20, 2021 · Amount on Record
Prior Sale	Feb 18, 2005 · Amount on Record
Deed Document Number	202197662
Record Updated	Jun 8, 2026

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	NEW CASTLE DE
Recording Date	Aug 20, 2021
Property Address	34 N CUMMINGS DR, MIDDLETOWN, DE 19709-1665
Document Number	0000097662
Map Reference	DOC 200304290050913
Instrument Date	Aug 12, 2021
Instrument	20210820-0097662
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21256 TREEVIEW LN, 21256, MILLSBORO, DE 19966-3155

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	41 SAVOY RD, NEWARK, DE 19702-8615

Mortgage

Document Number	0000097666
Date	Aug 20, 2021
Instrument	20210820-0097666

Lender

Name	PIKE CREEK MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Mortgage

Document Number	0000097667
Date	Aug 20, 2021
Instrument	20210820-0097667

Lender

Name	DELAWARE STATE HOUSING AUTHORITY
Type	Government Agency
Address	WILMINGTON, DE 19801

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW CASTLE DE
Property Address	34 N CUMMINGS DR, MIDDLETOWN, DE 19709-1665
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 N CUMMINGS DR, MIDDLETOWN, DE 19709-1665

Mortgage

Document Number	0000032584
Date	May 3, 2019
Instrument	20190503-0032584

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

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	$3,419.00 (+37.25%)	$508,500 (+528.55%) Land $66,200 Building $442,300
2023	$2,491.00	$80,900 Land $8,200 Building $72,700

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

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	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)
Breezeline Cable	1,000 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: Xfinity.

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