423 Main St, Clayton, DE 19938 Property Records

Kent County property record for 423 Main St, Clayton, DE 19938

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,696 sqft · built 1900
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Jun 2026)
Tax Bill	$836 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-04-018.10-01-69.00-000`

Property Details

APN / Parcel Number

Primary APN	`3-04-018.10-01-69.00-000`
Alternative APNs	`KH04018.100169.00/000` `19174`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,696 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	150 ft deep x 25.1 ft wide
View / Lot	Major Street/Thoroughfare
Porch	Slab
Porch Area	152 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	19174
Street Address	423 MAIN ST
City	CLAYTON
State	DE
Zip	19938-7704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	N.W. SD. MAIN ST., CLAYTON 423 MAIN STREET
Legal Subdivision	TOWN OF CLAYTON
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	423 MAIN ST, CLAYTON, DE 19938-7704
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Jun 5, 2026	Deed, Transfer · FHA Mortgage GUARANTEED RATE, INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2026 · Amount on Record
Deed Sale	Jun 5, 2026 · Amount on Record
Deed Document Number	2026537402
Deed Book / Page	14234 / 59
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT DE
Property Address	423 MAIN ST, CLAYTON, DE 19938-7704
Transaction Type	Mortgage
Record Updated	Jun 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000440771
Date	Jan 7, 2022
Book Page	11670/126
Instrument	2022-440771

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT DE
Recording Date	Jun 5, 2026
Property Address	423 MAIN ST, CLAYTON, DE 19938-7704
Document Number	0000537402
Book / Page	14234 / 59
Instrument Date	Jun 2, 2026
Instrument	2026537402
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,111,000.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	423 MAIN ST, CLAYTON, DE 19938-7704

Mortgage

Document Number	0000537403,
Date	Jun 5, 2026
Instrument	2026537403

Lender

Name	GUARANTEED RATE, INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

Mortgage

Document Number	0000537404,
Date	Jun 5, 2026
Book Page	14234/81
Instrument	2026537404

Lender

Name	DELAWARE STATE HOUSING AUTHORITY

Agreement

Amount	Amount Recorded

Interest

Rate	6.23%
Max Rate	-1%

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	$836.00 (+1.46%)	$196,600 (-) Land $53,100 Building $143,500
2025	$824.00 (+47.94%)	$196,600 (+836.19%) Land $53,100 Building $143,500
2023	$557.00	$21,000 Land $3,400 Building $17,600

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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