New Castle County property record for 40 Emerald Ridge Dr, Bear, DE 19701 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,100 sqft · built 1993 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $199,900 (Jan 2001) |
| Tax Bill | $3,233 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Sep 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-002.30-007 |
| Primary APN | 12-002.30-007 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,100 sqft Living Area |
| 1st Floor Area | 964 sqft |
| Family Room | Family Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 257 ft deep x 85 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 40 EMERALD RIDGE DR |
|---|---|
| City | BEAR |
| State | DE |
| Zip | 19701-2260 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | EMERALD RIDGE |
| Legal Lot Number | 78 |
| Jurisdiction | NEW CASTLE DE |
| Township / Civil Division | RED LION |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 16401 |
Source: New Castle County records · APN 12-002.30-007
Assessment roll updated April 13, 2026 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 40 EMERALD RIDGE DR, BEAR, DE 19701-2260 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 07, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Sep 08, 2017 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Nov 23, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 29, 2001 · Amount on Record |
| Deed Sale | Jan 29, 2001 · Amount on Record |
| Deed Document Number | 20016015 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW CASTLE DE |
| Property Address | 40 EMERALD RIDGE DR, BEAR, DE 19701-2260 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 40 EMERALD RIDGE DR, BEAR, DE 19701-2260 |
| Document Number | 0000087622 |
|---|---|
| Date | Sep 07, 2022 |
| Instrument | 20220907-0087622 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Aug 10, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW CASTLE DE |
| Property Address | 40 EMERALD RIDGE DR, BEAR, DE 19701-2260 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000046348 |
|---|---|
| Date | Sep 08, 2017 |
| Instrument | 20170908-0046348 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW CASTLE DE |
| Property Address | 40 EMERALD RIDGE DR, BEAR, DE 19701-2260 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000105986 |
|---|---|
| Date | Nov 23, 2020 |
| Instrument | 20201123-0105986 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
Source: New Castle County records · Assessment roll updated April 13, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Delaware |
| County | New Castle County |
| Unified School District | Colonial School District (PK - 12) |
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 | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,233.00 (+12.53%) | $473,400 (+423.67%) Land $104,300 Building $369,100 | |
| 2024 | $437,940 | ||
| 2023 | $2,873.00 | $90,400 Land $14,200 Building $76,200 |
Source: FEMA National Flood Hazard Layer, New Castle County (10003C), updated January 21, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 100030164013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2024, rainfall accumulation |
| Wildfire Risk | Low above 2% of the US · above 8% of Delaware |
|---|---|
| Wildfire Likelihood | About 1 in 9,091 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 148 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Verizon | Fiber | 2,300 / 2,300 |
| Xfinity | Cable | 2,000 / 250 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
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