Kent County property record for 440 W Reed St, Dover, DE 19904
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 1,282 sqft · built 2017 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | Individual Name on File |
| Last Sale | $139,900 (Nov 2017) |
| Tax Bill | $1,376 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage Nov 2017 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2-05-076.12-02-63.00-000 |
| Primary APN | 2-05-076.12-02-63.00-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,282 sqft Total Area |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 2,178 sqft (0.05 acres) |
| Lot Dimensions | 71.2 ft deep x 33 ft wide |
| View / Lot | Major Street/Thoroughfare |
| Porch | Slab |
| Porch Area | 19 sqft |
| Cooling System | HVAC |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 9478 |
|---|---|
| Street Address | 440 W REED ST |
| City | DOVER |
| State | DE |
| Zip | 19904-3734 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | RG1 |
| Legal Description | SE CORNER REED & S KIRKWO 2,345 SQ FT 440 W REED ST |
| Legal Subdivision | COMEGYS LOTS |
| Legal Lot Number | 34 |
| Jurisdiction | KENT DE |
| Township / Civil Division | DOVER |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 41400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Victorian Dover Historic District listed 1979 · 482 contributing resources · NRIS 79000622 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
440 W Reed St, a duplex, is owned and occupied by an individual who bought it in November 2017.
Source: Kent County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 440 W REED ST, DOVER, DE 19904-3734 |
| 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 |
|---|---|
| Mar 26, 2026 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Nov 17, 2017 | Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC |
| May 10, 2017 | Grant Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 17, 2017 · Amount on File |
| Deed Sale | Nov 17, 2017 · Amount on File |
| Deed Document Number | 2017330551 |
| Deed Book / Page | 8890 / 82 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT DE |
| Property Address | 440 W REED ST, DOVER, DE 19904-3734 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 440 W REED ST, DOVER, DE 19904-3734 |
| Document Number | 0000532769 |
|---|---|
| Date | Mar 26, 2026 |
| Book Page | 14100/90 |
| Instrument | 2026-532769 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENT DE |
| Recording Date | Nov 17, 2017 |
| Property Address | 440 W REED ST, DOVER, DE 19904-3734 |
| Document Number | 0000330551 |
| Book / Page | 8890 / 082 |
| Instrument Date | Nov 15, 2017 |
| Instrument | 2017-330551 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,497.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 644 MERCHANT ST, 644, COATESVILLE, PA 19320-3338 |
| Name | Verified Name |
|---|---|
| Address | 440 W REED ST, DOVER, DE 19904-3734 |
| Document Number | 0000330552 |
|---|---|
| Date | Nov 17, 2017 |
| Instrument | 2017-330552 |
| Name | PRIMARY RESIDENTIAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENT DE |
| Recording Date | May 10, 2017 |
| Property Address | 440 W REED ST, DOVER, DE 19904-3734 |
| Document Number | 0000318493 |
| Book / Page | 008609 / 000335 |
| Instrument Date | May 2, 2017 |
| Instrument | 318493 |
| Transaction Type | Transfer |
| Record Updated | May 31, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 644 MERCHANT ST COATESVILLE PA 193203338, COATESVILLE, PA 19320-3338 |
The 2026 property tax bill for 440 W Reed St was $1,376, 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 | $1,376.00 (+5.85%) | $221,200 (-) Land $34,300 Building $186,900 |
| 2025 | $1,300.00 | $221,200 Land $34,300 Building $186,900 |
| 2023 | $859.00 | $29,200 Land $2,000 Building $27,200 |
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 440 W Reed St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1992.
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 | 1 in force |
| Nearby Flood Claims | 1 (1992) |
| Most Recent Claim | Jan 1992 · Severe Coastal Storm |
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.
The area around 440 W Reed St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 395 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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