New Castle County property record for 405 Shai Cir, Bear, DE 19701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,529 sqft · built 1988 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $316,000 (Mar 2026) |
| Tax Bill | $2,934 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Jun 2023 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-032.10-131 |
| Primary APN | 11-032.10-131 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,529 sqft Living Area |
| 1st Floor Area | 789 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Townhouse |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,178 sqft (0.05 acres) |
| Lot Dimensions | 110 ft deep x 20 ft wide |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Street Address | 405 SHAI CIR |
|---|---|
| City | BEAR |
| State | DE |
| Zip | 19701-3601 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NCPUD |
| Legal Subdivision | SPRING WOOD |
| Legal Lot Number | 55 |
| Jurisdiction | NEW CASTLE DE |
| Township / Civil Division | GLASGOW |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 14810 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Listed Area | Within New Castle and Frenchtown Railroad Right-of-Way listed 1976 · 2 contributing resources · NRIS 76002290 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: New Castle County records, as of August 12, 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 Record |
|---|---|
| Mailing Address | 405 SHAI CIR, BEAR, DE 19701-3601 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 7, 2021 | Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC |
| Jun 13, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Mar 16, 2026 | Deed, Transfer · Conventional Mortgage NATION ONE MORTGAGE |
| Aug 24, 2017 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) DELAWARE STATE HOUSING AUTHORITY |
| Aug 16, 2017 | Deed of Trust, Mortgage · FHA Mortgage TRIDENT MTG |
| Aug 24, 2017 | Grant Deed, Transfer NOT AVAILABLE |
| Aug 17, 2017 | Deed, Transfer · Second Mortgage (Down Payment) DELAWARE STATE HOUSING AUTHORITY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 16, 2026 · Amount on Record |
| Deed Sale | Mar 16, 2026 · Amount on Record |
| Prior Sale | Dec 12, 2002 · Amount on Record |
| Deed Document Number | 202619123 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW CASTLE DE |
| Property Address | 405 SHAI CIR, BEAR, DE 19701-3601 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 405 SHAI CIR, BEAR, DE 19701-3601 |
| Document Number | 0000139714 |
|---|---|
| Date | Dec 7, 2021 |
| Instrument | 20211207-0139714 |
| Name | LOANCARE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 309 Months |
| Due | Sep 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW CASTLE DE |
| Property Address | 405 SHAI CIR, BEAR, DE 19701-3601 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 405 SHAI CIR, BEAR, DE 19701-3601 |
| Document Number | 0000038202 |
|---|---|
| Date | Jun 13, 2023 |
| Instrument | 20230613-0038202 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Jul 1, 2063 |
| Document Type | Deed |
|---|---|
| Jurisdiction | NEW CASTLE DE |
| Recording Date | Mar 16, 2026 |
| Property Address | 405 SHAI CIR, BEAR, DE 19701-3601 |
| Document Number | 0000019123 |
| Instrument Date | Mar 6, 2026 |
| Instrument | 20260316-0019123 |
| Transaction Type | Transfer |
| Record Updated | Apr 8, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 405 SHAI CIR, BEAR, DE 19701-3601 |
| Document Number | 0000019127 |
|---|---|
| Date | Mar 16, 2026 |
| Instrument | 20260316-0019127 |
| Name | NATION ONE MORTGAGE |
|---|---|
| Type | Subprime Lender |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW CASTLE DE |
| Property Address | 405 SHAI CIR, BEAR, DE 19701-3601 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000043472 |
|---|---|
| Date | Aug 24, 2017 |
| Instrument | 20170824-0043472 |
| Name | DELAWARE STATE HOUSING AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | DOVER, DE 19901 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW CASTLE DE |
| Property Address | 405 SHAI CIR, BEAR, DE 19701-3601 |
| Document Number | 0000043471 |
| Instrument Date | Aug 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 405 SHAI CIR BEAR DE 197013601, BEAR, DE 19701-3601 |
| Document Number | 0000043471 |
|---|---|
| Date | Aug 24, 2017 |
| Instrument | 43471 |
| Name | TRIDENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | DEVON, PA 19333 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 23, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | NEW CASTLE DE |
| Recording Date | Aug 24, 2017 |
| Property Address | 405 SHAI CIR, BEAR, DE 19701-3601 |
| Document Number | 0000043470 |
| Instrument Date | Aug 10, 2017 |
| Instrument | 43470 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 405 SHAI CIR BEAR DE 197013601, BEAR, DE 19701-3601 |
| Document Type | Deed |
|---|---|
| Jurisdiction | NEW CASTLE DE |
| Recording Date | Aug 17, 2017 |
| Property Address | 405 SHAI CIR, BEAR, DE 19701-3601 |
| Document Number | 0000042139 |
| Instrument Date | Aug 10, 2017 |
| Instrument | 20170817-0042139 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 SHAI CIR, BEAR, DE 19701-3601 |
| Document Number | 0000042141 |
|---|---|
| Date | Aug 17, 2017 |
| Instrument | 20170817-0042141 |
| Name | DELAWARE STATE HOUSING AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | DOVER, DE 19901 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
Source: New Castle County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Delaware |
| County | New Castle County |
| Unified School District | Christina School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,934.00 (+25.12%) | $348,100 (+535.22%) Land $82,300 Building $265,800 | |
| 2024 | $179,460 | ||
| 2023 | $2,345.00 | $54,800 Land $7,100 Building $47,700 |
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 3 (1999–2003) |
| Most Recent Claim | Jun 2003 · rainfall accumulation |
| 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 80% of the US · above 47% of Delaware |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 | ARTESIAN WATER COMPANY private · serves 231,114 people · EPA ID DE0000552 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2025 |
| Lead | 1 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.
Source: FCC Broadband Data Collection, based on 401 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
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