Kent County property record for 403 Cowgill St, Dover, DE 19901
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,008 sqft · built 1984 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | Individual Name on File |
| Last Sale | $239,000 (Aug 2026) |
| Tax Bill | $812 (2026) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2-05-077.10-01-35.06-000 |
| Primary APN | 2-05-077.10-01-35.06-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,008 sqft Living Area |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 2,614 sqft (0.06 acres) |
| Lot Dimensions | 150 ft deep x 18.3 ft wide |
| View / Lot | Major Street/Thoroughfare |
| Porch | Slab |
| Porch Area | 112 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 10788 |
|---|---|
| Street Address | 403 COWGILL ST |
| City | DOVER |
| State | DE |
| Zip | 19901-4511 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RG3 |
| Legal Description | COURTNEY SQUARE, LOT 2 403-B COWGILL ST. |
| Legal Subdivision | COURTNEY SQUARE |
| Legal Lot Number | 2 |
| Jurisdiction | KENT DE |
| Township / Civil Division | DOVER |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 41200 |
403 Cowgill St is owned and occupied by an individual who bought it in August 2026.
Source: Kent County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 403 COWGILL ST, DOVER, DE 19901-4511 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 3, 2026 · Amount on File |
| Deed Sale | Aug 3, 2026 · Amount on File |
| Prior Sale | Apr 28, 2006 · Amount on File |
| Deed Document Number | 2026541486 |
| Deed Book / Page | 14345 / 118 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENT DE |
| Recording Date | Aug 3, 2026 |
| Property Address | 403 COWGILL ST, DOVER, DE 19901-4511 |
| Document Number | 0000541486 |
| Book / Page | 14345 / 118 |
| Instrument Date | Jul 31, 2026 |
| Instrument | 2026541486 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $965,560.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | DOVER, DE 19901 |
| Document Number | 0000541487, |
|---|---|
| Date | Aug 3, 2026 |
| Instrument | 2026541487 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Number | 0000541488, |
|---|---|
| Date | Aug 3, 2026 |
| Book Page | 14345/150 |
| Instrument | 2026541488 |
| Name | DELAWARE STATE |
|---|
| Amount | Amount on Record |
|---|
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
The 2026 property tax bill for 403 Cowgill St was $812, up 5.7% from the year before.
Source: Kent County assessment roll, as of September 9, 2026
| Type | Name |
|---|---|
| State | Delaware |
| County | Kent County |
| Municipality | Dover City |
| Unified School District | Capital School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $812.00 (+5.73%) | $130,600 (-) Land $22,400 Building $108,200 |
| 2025 | $768.00 | $130,600 Land $22,400 Building $108,200 |
| 2023 | $800.00 | $27,200 Land $3,100 Building $24,100 |
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.
FEMA maps place 403 Cowgill St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.
Source: FEMA National Flood Hazard Layer, effective May 25, 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 |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (2023) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2023 · rainfall accumulation |
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 risk around 403 Cowgill St 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 99.1% of the US · lower than 95% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DOVER WATER DEPARTMENT serves 39,491 people · EPA ID DE0000571 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Lead | 2 ppb (2024–2026) 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 139 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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