38 S Cummings Dr, Middletown, DE 19709 Property Records

New Castle County property record for 38 S Cummings Dr, Middletown, DE 19709

Property Summary

Property Type	Duplex
Details	3 bd · 2.5 ba · 2,015 sqft · built 2004
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$259,900 (Feb 2008)
Tax Bill	$2,628 (2025)
Deeds & Mortgages	Mar 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-020.00-050`

Property Details

APN / Parcel Number

Primary APN	`23-020.00-050`

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	2,015 sqft Living Area
1st Floor Area	1,286 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

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	38 S CUMMINGS DR
City	MIDDLETOWN
State	DE
Zip	19709-1664
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	23R-3
Legal Subdivision	MIDDLETOWN CROSSING
Legal Lot Number	214
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, APN 23-020.00-050, as of April 13, 2026 · Last verified June 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 File
Mailing Address	38 S CUMMINGS DR, MIDDLETOWN, DE 19709-1664
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 06, 2008 · Amount on Record
Deed Sale	Feb 06, 2008 · Amount on Record
Prior Sale	May 11, 2004 · Amount on Record
Deed Document Number	20087725
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW CASTLE DE
Property Address	38 S CUMMINGS DR, MIDDLETOWN, DE 19709-1664
Transaction Type	Mortgage
Record Updated	Apr 08, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 S CUMMINGS DR, MIDDLETOWN, DE 19709-1664

Mortgage

Document Number	0000022106
Date	Mar 27, 2026
Instrument	20260327-0022106

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2056

Tax Assessment & Valuation

Source: New Castle County assessment roll as of April 13, 2026 · Last verified June 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

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.

Year	Tax Bill	Assessed Value
2025	$2,628.00 (+36.45%)	$480,100 (+485.49%) Land $66,200 Building $413,900
2023	$1,926.00 (+0.36%) Senior Citizen's exemption	$82,000 (-) Land $8,200 Building $73,800
2022	$1,919.00 Senior Citizen's exemption	$82,000 Land $8,200 Building $73,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, New Castle County (10003C), as of January 21, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 100030166141, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection, 338 locations within half a mile, as of December 31, 2025 · Last verified October 2026

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system DE0020122, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WILLOW GROVE MILL serves 3,090 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.