New Castle County property record for 40 S Cummings Dr, Middletown, DE 19709
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 1.5 ba · 1,738 sqft · built 2005 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $280,990 (Sep 2005) |
| Tax Bill | $2,793 (2025) |
| Deeds & Mortgages | Dec 2023 Transfer Feb 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-020.00-051 |
| Primary APN | 23-020.00-051 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,738 sqft Living Area |
| 1st Floor Area | 854 sqft |
| Family Room | Family Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 125 ft deep x 67 ft wide |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 40 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 Description | L215 216 |
| Legal Subdivision | MIDDLETOWN CROSSING |
| Legal Lot Number | 215 |
| Jurisdiction | NEW CASTLE DE |
| Township / Civil Division | MIDDLETOWN-ODESSA |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 16614 |
Source: New Castle County records · APN 23-020.00-051
Assessment roll updated 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 40 S CUMMINGS DR, MIDDLETOWN, DE 19709-1664 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 05, 2023 | Intrafamily Transfer, Transfer |
| Feb 10, 2023 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 03, 2017 | Deed of Trust, Mortgage DOVER FCU |
| Sep 17, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DOVER FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 26, 2005 · Amount on Record |
| Deed Sale | Sep 26, 2005 · Amount on Record |
| Prior Sale | Jun 20, 2005 · Amount on Record |
| Deed Document Number | 200597683 |
| Last Transfer Date | Dec 01, 2023 |
| Transfer Doc | 0000080729 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | NEW CASTLE DE |
| Recording Date | Dec 05, 2023 |
| Property Address | 40 S CUMMINGS DR, MIDDLETOWN, DE 19709-1664 |
| Document Number | 0000080729 |
| Map Reference | DOC 200304290050913 |
| Instrument Date | Dec 01, 2023 |
| Instrument | 20231205-0080729 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 40 S CUMMINGS DR, MIDDLETOWN, DE 19709-1664 |
| Document Type | Deed |
|---|---|
| Jurisdiction | NEW CASTLE DE |
| Recording Date | Feb 10, 2023 |
| Property Address | 40 S CUMMINGS DR, MIDDLETOWN, DE 19709-1664 |
| Document Number | 0000009171 |
| Map Reference | DOC 200304290050913 |
| Instrument Date | Jan 13, 2023 |
| Instrument | 20230210-0009171 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 40 S CUMMINGS DR, MIDDLETOWN, DE 19709-1664 |
| Document Number | 0000009175 |
|---|---|
| Date | Feb 10, 2023 |
| Instrument | 20230210-0009175 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW CASTLE DE |
| Property Address | 40 S CUMMINGS DR, MIDDLETOWN, DE 19709-1664 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000051381 |
|---|---|
| Date | Oct 03, 2017 |
| Instrument | 20171003-0051381 |
| Name | DOVER FCU |
|---|---|
| Type | Credit Union |
| Address | DOVER, DE 19904 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Oct 01, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW CASTLE DE |
| Property Address | 40 S CUMMINGS DR, MIDDLETOWN, DE 19709-1664 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000080408 |
|---|---|
| Date | Sep 17, 2020 |
| Instrument | 20200917-0080408 |
| Name | DOVER FCU |
|---|---|
| Type | Credit Union |
| Address | DOVER, DE 19904 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 144 Months |
| Due | Sep 01, 2032 |
Source: New Castle County records · Assessment roll updated April 13, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Delaware |
| County | New Castle County |
| Municipality | Middletown Town |
| Unified School District | Appoquinimink 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 |
|---|---|---|
| 2025 | $2,793.00 (+29.79%) | $415,500 (+494.42%) Land $66,200 Building $349,300 |
| 2023 | $2,152.00 | $69,900 (-) Land $8,400 Building $61,500 |
| 2022 | $69,900 Land $8,400 Building $61,500 |
Source: FEMA National Flood Hazard Layer as of January 21, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| 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.
Source: FCC Broadband Data Collection 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.
Based on FCC filings for 338 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System 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 |
| 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.
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