405 Main St, Clayton, DE 19938 Property Records

Kent County property record for 405 Main St, Clayton, DE 19938

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,032 sqft · built 1890
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on Record
Last Sale	$111,326 (Mar 2010)
Tax Bill	$830 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-04-018.10-01-63.00-000`

Property Details

APN / Parcel Number

Primary APN	`3-04-018.10-01-63.00-000`
Alternative APNs	`KH04018.100163.00/000` `20611`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,032 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Other
Exterior Material	Wood
Construction Type	Frame
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	100 ft deep x 45 ft wide
View / Lot	Major Street/Thoroughfare
Porch	Slab
Porch Area	181 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	20611
Street Address	405 MAIN ST
City	CLAYTON
State	DE
Zip	19938-7704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TC
Legal Description	N.W. SD. MAIN ST., CLAYTON 405 MAIN ST.
Jurisdiction	KENT DE
Township / Civil Division	SMYRNA
Census Block Group	1
Census Block	1074
Census Tract	40201

Owner

Source: Kent County records, as of October 20, 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	405 MAIN ST, CLAYTON, DE 19938-7704
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF AMERICA
Dec 14, 2018	Deed, Transfer · ARM CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2010 · Amount on Record
Deed Sale	Mar 30, 2010 · Amount on Record
Prior Sale	Dec 21, 2009 · Amount on Record
Deed Document Number	2010167056
Deed Book / Page	5353 / 242
Prior Transfer Date	Nov 13, 2009
Prior Transfer Doc	0000161880
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT DE
Property Address	405 MAIN ST, CLAYTON, DE 19938-7704
Transaction Type	Mortgage
Record Updated	Jun 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000453224
Date	Jun 8, 2022
Book Page	11984/11
Instrument	2022-453224

Lender

Name	FIRST NATIONAL BANK OF AMERICA
Type	Bank
Address	EAST LANSING, MI 48823

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 2052

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT DE
Recording Date	Dec 14, 2018
Property Address	405 MAIN ST, CLAYTON, DE 19938-7704
Document Number	0000353462
Book / Page	9407 / 163
Instrument Date	Dec 11, 2018
Instrument	2018-353462
Transaction Type	Transfer
Record Updated	Sep 6, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 MAIN ST, CLAYTON, DE 19938-7704

Mortgage

Document Number	0000353463
Date	Dec 14, 2018
Instrument	2018-353463

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	8.87%
Type Change Date	Jan 1, 2024
Change Frequency	Annually
Min Rate At Change	8.87%
Max Rate At Change	10.8%
Index	1-Year LIBOR
Max Rate	13.8%

Tax Assessment & Valuation

Source: Kent County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Delaware
County	Kent County
Municipality	Clayton Town
Unified School District	Smyrna School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$830.00 (+1.47%)	$195,200 (+752.4%) Land $55,300 Building $139,900
2025	$818.00 (+34.54%)
2023	$608.00	$22,900 Land $3,600 Building $19,300

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.

Flood

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	4 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · Hurricane Irene

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 47% of Delaware
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ARTESIAN NORTHERN KENT REGIONAL private · serves 7,014 people · EPA ID DE00A0673
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, Verizon.

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