New Castle County property record for 400 Reading Ln, Middletown, DE 19709
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,252 sqft · built 1994 |
| Lot Size | 0.75 acres (32,670 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $480,000 (Nov 2025) |
| Tax Bill | $3,720 (2024) |
| Deeds & Mortgages | Mar 2021 Mortgage Nov 2025 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-019.10-039 |
| Primary APN | 13-019.10-039 |
|---|
| 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 | 2,252 sqft Living Area |
| 1st Floor Area | 1,156 sqft |
| Family Room | Family Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 32,670 sqft (0.75 acres) |
| Lot Dimensions | 211 ft deep x 169 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 400 READING LN |
|---|---|
| City | MIDDLETOWN |
| State | DE |
| Zip | 19709-2136 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NC21 |
| Legal Subdivision | MISTY VALE FARM |
| Legal Lot Number | 154 |
| Jurisdiction | NEW CASTLE DE |
| Township / Civil Division | MIDDLETOWN-ODESSA |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 16608 |
Source: New Castle County records, as of April 13, 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 | 400 READING LN, MIDDLETOWN, DE 19709-2136 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Mar 18, 2021 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Nov 3, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage LUMINATE BANK |
| Nov 4, 2025 | Deed, Transfer · FHA Mortgage LUMINATE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 4, 2025 · Amount on Record |
| Deed Sale | Nov 4, 2025 · Amount on Record |
| Prior Sale | Nov 16, 2007 · Amount on Record |
| Deed Document Number | 202579352 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW CASTLE DE |
| Property Address | 400 READING LN, MIDDLETOWN, DE 19709-2136 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2025 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0000032562 |
|---|---|
| Date | Mar 18, 2021 |
| Instrument | 20210318-0032562 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW CASTLE DE |
| Property Address | 400 READING LN, MIDDLETOWN, DE 19709-2136 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000079179 |
|---|---|
| Date | Nov 3, 2025 |
| Instrument | 20251103-0079179 |
| Name | LUMINATE BANK |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55405 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Nov 1, 2035 |
| Document Type | Deed |
|---|---|
| Jurisdiction | NEW CASTLE DE |
| Recording Date | Nov 4, 2025 |
| Property Address | 400 READING LN, MIDDLETOWN, DE 19709-2136 |
| Document Number | 0000079352 |
| Map Reference | MF 12080 |
| Instrument Date | Oct 29, 2025 |
| Instrument | 20251104-0079352 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 400 READING LN, MIDDLETOWN, DE 19709-2136 |
| Document Number | 0000079356 |
|---|---|
| Date | Nov 4, 2025 |
| Instrument | 20251104-0079356 |
| Name | LUMINATE BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2055 |
Source: New Castle County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Delaware |
| County | New Castle County |
| Unified School District | Appoquinimink School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $524,500 (+509.18%) Land $129,600 Building $394,900 | ||
| 2024 | $3,720.00 (+16.98%) | $86,100 (-) Land $13,300 Building $72,800 | $495,540 |
| 2023 | $3,180.00 | $86,100 Land $13,300 Building $72,800 |
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.
Source: FEMA National Flood Hazard Layer, effective January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 76 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 76 in force |
| Nearby Flood Claims | 64 (1979–2024) |
| Claims Outside the SFHA | 2 of 64 |
| Most Recent Claim | Feb 2024 · other causes |
| 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 | Low lower than 95% of the US · lower than 81% of Delaware |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond 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 | EAST NCC DISTRICT private · serves 5,538 people · EPA ID DE00A0334 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2025) 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 168 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Breezeline Cable | 1,000 / 50 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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