Kent County property record for 411 Cowgill St, Dover, DE 19901
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 824 sqft · built 1955 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $250,000 (Oct 2026) |
| Tax Bill | $752 (2026) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage Sep 2025 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2-05-077.10-01-35.01-000 |
| Primary APN | 2-05-077.10-01-35.01-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 824 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Cottage |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 150 ft deep x 65.9 ft wide |
| View / Lot | Major Street/Thoroughfare |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 12309 |
|---|---|
| Street Address | 411 COWGILL ST |
| City | DOVER |
| State | DE |
| Zip | 19901-4511 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RG1 |
| Legal Description | BAY RD. ADDN. LOT 73 & 5.10' OF LOT 72 411 COWGILL STREET |
| Legal Subdivision | BAY ROAD ADDITION |
| Legal Lot Number | 72 |
| Jurisdiction | KENT DE |
| Township / Civil Division | DOVER |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 41200 |
411 Cowgill St is owned and occupied by an individual who bought it in October 2026.
Source: Kent County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 411 COWGILL ST, DOVER, DE 19901-4511 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
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 |
|---|---|
| Oct 7, 2026 | Deed, Transfer · FHA Mortgage SHORE UNITED BANK |
| Sep 11, 2025 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) DELAWARE STATE HOUSING AUTHORITY |
| Sep 11, 2025 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) DELAWARE STATE HOUSING AUTHORITY |
| Sep 11, 2025 | Deed, Transfer · FHA Mortgage KEYSTONE FUNDING INC |
| Oct 13, 2020 | Deed, Transfer · Conventional Mortgage EQUITY PRIME MORTGAGE LLC |
| Apr 26, 2017 | Grant Deed, Transfer · VA Mortgage ATLANTIC HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 7, 2026 · Amount on File |
| Deed Sale | Oct 7, 2026 · Amount on File |
| Prior Sale | Sep 11, 2025 · Amount on File |
| Deed Document Number | 2026545705 |
| Deed Book / Page | 14461 / 266 |
| Prior Transfer Date | Feb 25, 2011 |
| Prior Transfer Doc | 0000186206 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENT DE |
| Recording Date | Oct 7, 2026 |
| Property Address | 411 COWGILL ST, DOVER, DE 19901-4511 |
| Document Number | 0000545705 |
| Book / Page | 14461 / 266 |
| Instrument Date | Sep 29, 2026 |
| Instrument | 2026545705 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,010,000.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 411 COWGILL ST, DOVER, DE 19901-4511 |
| Document Number | 0000545706, |
|---|---|
| Date | Oct 7, 2026 |
| Instrument | 2026545706 |
| Name | SHORE UNITED BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Max Rate | -1% |
|---|
| Document Number | 0000545707, |
|---|---|
| Date | Oct 7, 2026 |
| Book Page | 14461/288 |
| Instrument | 2026545707 |
| Name | DELAWARE STATE |
|---|
| Amount | Amount on Record |
|---|
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT DE |
| Property Address | 411 COWGILL ST, DOVER, DE 19901-4511 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000520902 |
|---|---|
| Date | Sep 11, 2025 |
| Book Page | 13766/266 |
| Instrument | 2025-520902 |
| Name | DELAWARE STATE HOUSING AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | DOVER, DE 19901 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT DE |
| Property Address | 411 COWGILL ST, DOVER, DE 19901-4511 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000520902 |
|---|---|
| Date | Sep 11, 2025 |
| Book Page | 13766/266 |
| Instrument | 2025-520902 |
| Name | DELAWARE STATE HOUSING AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | DOVER, DE 19901 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENT DE |
| Recording Date | Sep 11, 2025 |
| Property Address | 411 COWGILL ST, DOVER, DE 19901-4511 |
| Document Number | 0000520900 |
| Book / Page | 13768 / 233 |
| Map Reference | MB 1 PG 325 |
| Instrument Date | Aug 15, 2025 |
| Instrument | 2025-520900 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 411 COWGILL ST, DOVER, DE 19901-4511 |
| Document Number | 0000520901 |
|---|---|
| Date | Sep 11, 2025 |
| Instrument | 2025-520901 |
| Name | KEYSTONE FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENT DE |
| Recording Date | Oct 13, 2020 |
| Property Address | 411 COWGILL ST, DOVER, DE 19901-4511 |
| Document Number | 0000397475 |
| Book / Page | 10490 / 78 |
| Map Reference | MB 1 PG 325 |
| Instrument Date | Oct 9, 2020 |
| Instrument | 2020-397475 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2021 |
| 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 | Tenants by the Entirety |
| Address | 411 COWGILL ST, DOVER, DE 19901-4511 |
| Document Number | 0000397476 |
|---|---|
| Date | Oct 13, 2020 |
| Instrument | 2020-397476 |
| Name | EQUITY PRIME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENT DE |
| Recording Date | Apr 26, 2017 |
| Property Address | 411 COWGILL ST, DOVER, DE 19901-4511 |
| Document Number | 0000317644 |
| Book / Page | 008591 / 000069 |
| Instrument Date | Apr 24, 2017 |
| Instrument | 317644 |
| Transaction Type | Transfer |
| Record Updated | May 4, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,575.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 411 COWGILL ST DOVER DE 199014511, DOVER, DE 19901-4511 |
| Document Number | 317645 |
|---|---|
| Date | Apr 26, 2017 |
| Book Page | 008591/000073 |
| Instrument | 317645 |
| Name | ATLANTIC HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 25, 2047 |
The 2026 property tax bill for 411 Cowgill St was $752, up 5.8% 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 | $752.00 (+5.77%) | $120,900 (-) Land $28,000 Building $92,900 |
| 2025 | $711.00 | $120,900 Land $28,000 Building $92,900 |
| 2023 | $459.00 | $15,600 Land $4,600 Building $11,000 |
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 411 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 411 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 99.8% of the US · lower than 99.1% 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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