Sussex County property record for 39598 N Cotton Patch Hls, Bethany Beach, DE 19930
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 1,203 sqft · built 1991 |
| Lot Size | 0.375 acres (16,322 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,782 (2026) |
| Deeds & Mortgages | Feb 2022 Refinance Apr 2021 Reverse Mortgage + 3 more |
| Flood Zone | Zone AO (high risk) |
| APN | 134-5.00-123.00 |
| Primary APN | 134-5.00-123.00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 3 Stories |
| Building Area | 1,203 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 16,322 sqft (0.375 acres) |
| Lot Dimensions | 120 ft deep x 136 ft wide |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 130 sqft |
| Deck Area | Deck Area |
| Patio Area | 896 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 39598 N COTTON PATCH HLS |
|---|---|
| City | BETHANY BEACH |
| State | DE |
| Zip | 19930-3614 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MR |
| Legal Description | COTTON PATCH HILLS LOT 63 |
| Legal Subdivision | COTTON PATCH HILLS |
| Legal Lot Number | 63 |
| Jurisdiction | SUSSEX DE |
| Township / Civil Division | SELBYVILLE-FRANKFORD |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 51201 |
Source: Sussex County records, as of September 18, 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 | PO BOX 1195, BETHANY BEACH, DE 19930-1195 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 8, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance PNC BANK NA |
| Apr 30, 2021 | Deed of Trust, Mortgage · Reverse Mortgage PNC BANK NA |
| Nov 1, 2018 | Deed of Trust, Mortgage · ARM PNC BANK NA |
| Dec 11, 2018 | Deed of Trust, Mortgage · Balloon Mortgage PNC BANK NA |
| Dec 17, 2019 | Deed of Trust, Mortgage · ARM PNC BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 5, 1998 |
| Deed Sale | Feb 5, 1998 |
| Deed Book / Page | 2265 / 128 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUSSEX DE |
| Property Address | 39598 N COTTON PATCH HLS, BETHANY BEACH, DE 19930-3614 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0207860293 |
|---|---|
| Date | Feb 8, 2022 |
| Book Page | 20786/293 |
| Instrument | 20220000006812 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUSSEX DE |
| Property Address | 39598 N COTTON PATCH HLS, BETHANY BEACH, DE 19930-3614 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0197890001 |
|---|---|
| Date | Apr 30, 2021 |
| Book Page | 19789/1 |
| Instrument | 20210000028408 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | May 1, 2061 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUSSEX DE |
| Property Address | 39598 N COTTON PATCH HLS, BETHANY BEACH, DE 19930-3614 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0172150122 |
|---|---|
| Date | Nov 1, 2018 |
| Book Page | 17215/122 |
| Instrument | 201800040207 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Dec 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.3% |
| Type Change Date | Nov 1, 2023 |
| Index | Other |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUSSEX DE |
| Property Address | 39598 N COTTON PATCH HLS, BETHANY BEACH, DE 19930-3614 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0172840152 |
|---|---|
| Date | Dec 11, 2018 |
| Book Page | 17284/152 |
| Instrument | 201800045303 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUSSEX DE |
| Property Address | 39598 N COTTON PATCH HLS, BETHANY BEACH, DE 19930-3614 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0180240001 |
|---|---|
| Date | Dec 17, 2019 |
| Book Page | 18024/1 |
| Instrument | 20190000048484 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.6% |
| Type Change Date | Jan 1, 2025 |
| Index | 1-Year LIBOR |
Source: Sussex County assessment roll, as of September 18, 2026
| Type | Name |
|---|---|
| State | Delaware |
| County | Sussex County |
| Unified School District | Indian River School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,782.00 (-0.42%) | $65,850 (-) Land $25,700 Building $40,150 | $2,482,400 (-) Land $2,033,300 Building $449,100 |
| 2025 | $4,802.00 (+116.4%) | $65,850 (-) Land $25,700 Building $40,150 | $2,482,400 (+1,784.89%) Land $2,033,300 Building $449,100 |
| 2023 | $2,219.00 | $65,850 Land $25,700 Building $40,150 | $131,700 Land $51,400 Building $80,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AO high risk · sheet flow 1–3 ft |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DEWEY BEACH WATER DEPARTMENT serves 31,000 people · EPA ID DE0000825 |
|---|---|
| Water Source | Purchased groundwater from REHOBOTH BEACH WATER DEPARTMENT |
| Last State Inspection | Apr 2024 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 190 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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