38909 Silver Sands Dr, Bethany Beach, DE 19930 Property Records

Sussex County property record for 38909 Silver Sands Dr, Bethany Beach, DE 19930

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,512 sqft · built 2014
Lot Size	0.206 acres (8,952 sqft)
Owner	2 Individual Names on File
Last Sale	$726,958 (Mar 2014)
Tax Bill	$2,855 (2026)
Deeds & Mortgages	Apr 2021 Refinance Feb 2020 Refinance
Flood Zone	Zone AE (high risk)
APN	`134-9.00-1195.00`

Property Details

APN / Parcel Number

Primary APN	`134-9.00-1195.00`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,512 sqft Living Area
Flooring	Ceramic Tile
Elevator	Elevator

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	8,952 sqft (0.206 acres)
Lot Dimensions	137 ft deep x 70 ft wide
Garage Type	Mixed
Garage Area	1,352 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	648 sqft
Deck Area	Deck Area
Patio Area	1,238 sqft
Granary	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	38909 SILVER SANDS DR
City	BETHANY BEACH
State	DE
Zip	19930-9527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MR
Legal Description	WATERMARK AT NORTH BETHANY LOT 18
Legal Subdivision	WATERMARK AT NORTH BETHANY
Legal Lot Number	18
Jurisdiction	SUSSEX DE
Township / Civil Division	SELBYVILLE-FRANKFORD
Census Block Group	1
Census Block	1031
Census Tract	51201

Owner

38909 Silver Sands Dr is owned by two individuals who bought it in March 2014.

Source: Sussex County records, as of September 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6 SHARI WAY, KENDALL PARK, NJ 08824-1841
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
Apr 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WILMINGTON SAVINGS FUND SOCIETY FSB
Feb 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WILMINGTON SAVINGS FUND SOCIETY FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2014 · Amount on File
Deed Sale	Mar 26, 2014 · Amount on File
Deed Document Number	20148850
Deed Book / Page	4241 / 153
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUSSEX DE
Property Address	38909 SILVER SANDS DR, BETHANY BEACH, DE 19930-9527
Transaction Type	Mortgage
Record Updated	Apr 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0196740034
Date	Apr 6, 2021
Book Page	19674/34
Instrument	20210000022338

Lender

Name	WILMINGTON SAVINGS FUND SOCIETY FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUSSEX DE
Property Address	38909 SILVER SANDS DR, BETHANY BEACH, DE 19930-9527
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0181470001
Date	Feb 10, 2020
Book Page	18147/1
Instrument	20200000006008

Lender

Name	WILMINGTON SAVINGS FUND SOCIETY FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 38909 Silver Sands Dr was $2,855, down 0.4% from the year before.

Source: Sussex County assessment roll, as of September 18, 2026

Property Jurisdictions

Type	Name
State	Delaware
County	Sussex County
Unified School District	Indian River School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,855.00 (-0.38%)	$55,300 (-) Land $12,450 Building $42,850	$1,342,100 (-) Land $433,200 Building $908,900
2025	$2,866.00	$55,300 Land $12,450 Building $42,850	$1,342,100 Land $433,200 Building $908,900
2023	$2,284.00	$55,300 Land $12,450 Building $42,850	$110,600 Land $24,900 Building $85,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 38909 Silver Sands Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	6.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 496 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	665 units insured incl. 169 condo units
Nearby Flood Claims	130 (1981–2025)
Claims Outside the SFHA	3 of 130
Most Recent Claim	Aug 2025 · tidal / storm surge
Claims by Event	Hurricane Sandy, Oct 2012 · 35 claims Severe Winter Storms, High Winds, And Flooding, Feb 1998 · 21 claims Severe Coastal Storm, Jan 1992 · 28 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 38909 Silver Sands 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 95% of the US · lower than 81% 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	BETHANY BAY PUMP DISTRICT private · serves 52,684 people · EPA ID DE0000221
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	2 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 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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