484 N Bay Dr, Dover, DE 19901 Property Records

Kent County property record for 484 N Bay Dr, Dover, DE 19901

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,160 sqft · built 2018
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$113,000 (Mar 2015)
Tax Bill	$2,627 (2026)
Deeds & Mortgages	Aug 2018 Line of Credit Oct 2017 Mortgage
Flood Zone	Zone VE (high risk)
APN	`2-00-097.16-01-24.00-000`

Property Details

APN / Parcel Number

Primary APN	`2-00-097.16-01-24.00-000`
Alternative APNs	`ED00097.160124.00/000` `9557`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,160 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	86 ft deep x 60 ft wide
View / Lot	Major Street/Thoroughfare
Porch	Slab
Porch Area	136 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	9557
Street Address	484 N BAY DR
City	DOVER
State	DE
Zip	19901-7009
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	KITTS HUMMOCK LOT 38 484 NORTH BAY DRIVE
Legal Subdivision	KITTS HUMMOCK - NORTH
Legal Lot Number	38
Jurisdiction	KENT DE
Township / Civil Division	DOVER
Census Block Group	1
Census Block	1074
Census Tract	43202

Owner

484 N Bay Dr is owned and occupied by two individuals who acquired it in October 2017.

Source: Kent County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	484 N BAY DR, DOVER, DE 19901-7009
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Oct 20, 2017	Deed, Transfer · Conventional Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2015 · Amount on File
Deed Sale	Mar 23, 2015 · Amount on File
Prior Sale	Mar 3, 2009 · Amount on File
Deed Document Number	2015271794
Deed Book / Page	7560 / 323
Last Transfer Date	Oct 18, 2017
Transfer Doc	0000328613
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT DE
Property Address	484 N BAY DR, DOVER, DE 19901-7009
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000346341
Date	Aug 17, 2018
Book Page	9252/215
Instrument	2018-346341

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 31, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT DE
Recording Date	Oct 20, 2017
Property Address	484 N BAY DR, DOVER, DE 19901-7009
Document Number	0000328613
Book / Page	8846 / 240
Instrument Date	Oct 18, 2017
Instrument	2017-328613
Transaction Type	Transfer
Record Updated	Jul 27, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	484 N BAY DR, 484, DOVER, DE 19901-7009

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	484 N BAY DR, DOVER, DE 19901-7009

Mortgage

Document Number	0000328614
Date	Oct 20, 2017
Book Page	8846/244
Instrument	2017-328614

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 484 N Bay Dr was $2,627, up 23.2% from the year before.

Source: Kent County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Delaware
County	Kent County
Unified School District	Caesar Rodney School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$2,627.00 (+23.16%)	$534,700 Land $230,400 Building $304,300
2025	$2,133.00
2023	$1,331.00	$52,200 Land $3,800 Building $48,400

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

FEMA maps place 484 N Bay Dr in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective May 25, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 80 policies
Nearby Flood Policies	80 in force
Nearby Flood Claims	76 (1980–2025)
Claims Outside the SFHA	7 of 76
Most Recent Claim	Oct 2025 · tidal / storm surge
Claims by Event	Hurricane Irene, Aug 2011 · 3 claims Severe Coastal Storm, Jan 1992 · 3 claims

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources System	Yes
Unit	DE-01 “Little Creek”
Unit Type	System Unit
Designated	Nov 16, 1990
NFIP Eligibility	Not eligible (built 2018) built after the Nov 16, 1990 cutoff · private flood insurance only

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

Wildfire risk around 484 N Bay Dr 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 67% of the US · above 67% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	KITTS HUMMOCK IMPROVEMENT ASSOC private · serves 305 people · EPA ID DE0000545
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	7 ppb (2013–2021) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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