Sussex County property record for 409 S Spinnaker Ln, Milton, DE 19968
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1,024 sqft · built 1990 |
| Lot Size | 0.139 acres (6,046 sqft) |
| Owner | Individual Name on File |
| Last Sale | $15,400 (Apr 2023) |
| Tax Bill | $408 (2026) |
| Deeds & Mortgages | May 2023 Mortgage Nov 2025 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 235-14.00-321.00 |
| Primary APN | 235-14.00-321.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,024 sqft Living Area |
| Elevator | Elevator |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Lot Area | 6,046 sqft (0.139 acres) |
| Lot Dimensions | 93 ft deep x 65 ft wide |
| Street Address | 409 S SPINNAKER LN |
|---|---|
| City | MILTON |
| State | DE |
| Zip | 19968-1543 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TN |
| Legal Description | SHIPBUILDERS VILLAGE LOTS 154 155 |
| Legal Subdivision | MILTON |
| Legal Lot Number | 154-15 |
| Jurisdiction | SUSSEX DE |
| Township / Civil Division | MILTON |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 50801 |
409 S Spinnaker Ln is owned and occupied by an individual who bought it in April 2023.
Source: Sussex County records, as of September 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 409 S SPINNAKER LN, MILTON, DE 19968-1543 |
| 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.
| Date | Document |
|---|---|
| May 24, 2023 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCE CO |
| Nov 24, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC |
| Apr 21, 2023 | Deed, Transfer |
| May 5, 2022 | Deed, Transfer · Stand-Alone First Mortgage CARDINAL FINANCIAL COMPANY LP |
| Apr 9, 2020 | Deed of Trust, Mortgage · FHA Mortgage EMBRACE HM LOANS |
| Jan 23, 2019 | Grant Deed, Transfer EMBRACE HM LOANS |
| Dec 11, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| May 30, 2018 | Trustee's Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 21, 2023 · Amount on File |
| Deed Sale | Apr 21, 2023 · Amount on File |
| Prior Sale | May 5, 2022 · Amount on File |
| Deed Document Number | 202313680 |
| Deed Book / Page | 5892 / 342 |
| Prior Transfer Date | Apr 20, 2023 |
| Prior Transfer Doc | 0058920342 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUSSEX DE |
| Property Address | 409 S SPINNAKER LN, MILTON, DE 19968-1543 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0217710312 |
|---|---|
| Date | May 24, 2023 |
| Book Page | 21771/312 |
| Instrument | 2023000018067 |
| Name | CARDINAL FINANCE CO |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUSSEX DE |
| Property Address | 409 S SPINNAKER LN, MILTON, DE 19968-1543 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0236170033 |
|---|---|
| Date | Nov 24, 2025 |
| Book Page | 23617/33 |
| Instrument | 2025000044234 |
| Name | UNITED WHOLESALE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUSSEX DE |
| Recording Date | Apr 21, 2023 |
| Property Address | 409 S SPINNAKER LN, MILTON, DE 19968-1543 |
| Document Number | 0058920342 |
| Book / Page | 5892 / 342 |
| Map Reference | MB 41 PG 119 |
| Instrument Date | Apr 20, 2023 |
| Instrument | 2023000013680 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $3.85 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 409 S SPINNAKER LN, MILTON, DE 19968-1543 |
| Name | Verified Name |
|---|---|
| Address | 409 S SPINNAKER LN, MILTON, DE 19968-1543 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUSSEX DE |
| Recording Date | May 5, 2022 |
| Property Address | 409 S SPINNAKER LN, MILTON, DE 19968-1543 |
| Document Number | 0056950238 |
| Book / Page | 5695 / 238 |
| Instrument Date | May 2, 2022 |
| Instrument | 20220000022619 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Amount | Amount on Record |
|---|---|
| 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 | 409 S SPINNAKER LN, MILTON, DE 19968-1543 |
| Document Number | 20220000022620 |
|---|---|
| Date | May 5, 2022 |
| Instrument | 20220000022620 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUSSEX DE |
| Property Address | 409 S SPINNAKER LN, MILTON, DE 19968-1543 |
| Document Number | 0183350087 |
| Instrument Date | Apr 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2020 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NAT'L TITLE & CLOSING S |
| Name | Verified Name |
|---|---|
| Address | 409 S SPINNAKER LN MILTON DE 199681543, MILTON, DE 19968-1543 |
| Document Number | 0183350087 |
|---|---|
| Date | Apr 28, 2020 |
| Book Page | 018335/000087 |
| Instrument | 17272 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 27, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SUSSEX DE |
| Recording Date | Jan 23, 2019 |
| Property Address | 409 S SPINNAKER LN, MILTON, DE 19968-1543 |
| Document Number | 0050080004 |
| Book / Page | 005008 / 000004 |
| Instrument Date | Jan 15, 2019 |
| Instrument | 2590 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $419.70 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 409 S SPINNAKER LN MILTON DE 199681543, MILTON, DE 19968-1543 |
| Document Number | 173480234 |
|---|---|
| Date | Jan 23, 2019 |
| Book Page | 017348/000234 |
| Instrument | 2591 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 22, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SUSSEX DE |
| Recording Date | Dec 11, 2018 |
| Property Address | 409 S SPINNAKER LN, MILTON, DE 19968-1543 |
| Document Number | 0049900196 |
| Book / Page | 004990 / 000196 |
| Instrument Date | Dec 11, 2018 |
| Instrument | 45409 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6 NICOLE WAY LEWES DE 199589744, LEWES, DE 19958-9744 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | SUSSEX DE |
| Recording Date | May 30, 2018 |
| Property Address | 409 S SPINNAKER LN, MILTON, DE 19968-1543 |
| Document Number | 0048950054 |
| Book / Page | 004895 / 000054 |
| Instrument Date | May 25, 2018 |
| Instrument | 19436 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2018 |
| Amount | Amount on Record |
|---|---|
| Tax | $150.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6 NICOLE WAY LEWES DE 199589744, LEWES, DE 19958-9744 |
The 2026 property tax bill for 409 S Spinnaker Ln was $408, down 0.2% from the year before.
Source: Sussex County assessment roll, as of September 18, 2026
| Type | Name |
|---|---|
| State | Delaware |
| County | Sussex County |
| Municipality | Milton Town |
| Unified School District | Cape Henlopen School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $408.00 (-0.24%) | $15,400 (-) Land $3,900 Building $11,500 | $194,000 (-) Land $62,300 Building $131,700 |
| 2025 | $409.00 | $15,400 Land $3,900 Building $11,500 | $194,000 Land $62,300 Building $131,700 |
| 2023 | $758.00 | $15,400 Land $3,900 Building $11,500 | $30,800 Land $7,800 Building $23,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 S Spinnaker Ln in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1998.
Source: FEMA National Flood Hazard Layer, effective August 17, 2025 · 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 | 5 (1998–2001) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Dec 2001 · river or lake flooding |
| 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.
Wildfire risk around 409 S Spinnaker Ln is low, with 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 80% of the US · above 47% of Delaware |
|---|---|
| Wildfire Likelihood | 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 | MILTON WATER DEPARTMENT serves 3,200 people · EPA ID DE0000629 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | 7 ppb (2023–2025) 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 290 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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