Kent County property record for 538 Carol St, Dover, DE 19904
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 980 sqft · built 1954 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $235,000 (Nov 2023) |
| Tax Bill | $1,448 (2026) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage Oct 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2-05-067.20-01-67.00-000 |
| Primary APN | 2-05-067.20-01-67.00-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 980 sqft Living Area |
| Basement Area | 980 sqft |
| Unfinished Basement | 980 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 8,276 sqft (0.19 acres) |
| Lot Dimensions | 140 ft deep x 60 ft wide |
| View / Lot | Major Street/Thoroughfare |
| Porch | Slab |
| Porch Area | 28 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 13796 |
|---|---|
| Street Address | 538 CAROL ST |
| City | DOVER |
| State | DE |
| Zip | 19904-2958 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8 |
| Legal Description | LAKEWOOD MANOR, LOT 53 538 CAROL ST. |
| Legal Subdivision | LAKEWOOD MANOR |
| Legal Lot Number | 53 |
| Jurisdiction | KENT DE |
| Township / Civil Division | DOVER |
| Census Block Group | 3 |
| Census Block | 3042 |
| Census Tract | 43300 |
538 Carol St is owned and occupied by two individuals who bought it in November 2023.
Source: Kent County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 538 CAROL ST, DOVER, DE 19904-2958 |
| 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 |
|---|---|
| Nov 15, 2023 | Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
| Oct 19, 2021 | Deed, Transfer · VA Mortgage EMBRACE HOME LOANS INC |
| Mar 25, 2019 | Loan Modification, Mortgage CARRINGTON MTG SVCS |
| Mar 25, 2019 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 15, 2023 · Amount on File |
| Deed Sale | Nov 15, 2023 · Amount on File |
| Prior Sale | Oct 19, 2021 · Amount on File |
| Deed Document Number | 2023484360 |
| Deed Book / Page | 12754 / 85 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENT DE |
| Recording Date | Nov 15, 2023 |
| Property Address | 538 CAROL ST, DOVER, DE 19904-2958 |
| Document Number | 0000484360 |
| Book / Page | 12754 / 85 |
| Map Reference | MB 3 PG 61-A |
| Instrument Date | Oct 25, 2023 |
| Instrument | 2023-484360 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,700.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 538 CAROL ST, DOVER, DE 19904-2958 |
| Document Number | 0000484361 |
|---|---|
| Date | Nov 15, 2023 |
| Instrument | 2023-484361 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENT DE |
| Recording Date | Oct 19, 2021 |
| Property Address | 538 CAROL ST, DOVER, DE 19904-2958 |
| Document Number | 0000433248 |
| Book / Page | 11467 / 104 |
| Map Reference | MB 3 PG 61-A |
| Instrument Date | Oct 5, 2021 |
| Instrument | 2021-433248 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,200.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 538 CAROL ST, DOVER, DE 19904-2958 |
| Document Number | 0000433249 |
|---|---|
| Date | Oct 19, 2021 |
| Instrument | 2021-433249 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENT DE |
| Property Address | 538 CAROL ST, DOVER, DE 19904-2958 |
| Document Number | 0000359975 |
| Instrument Date | Mar 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 538 CAROL ST DOVER DE 199042958, DOVER, DE 19904-2958 |
| Document Number | 0000359975 |
|---|---|
| Date | Apr 12, 2019 |
| Book Page | 009551/000218 |
| Instrument | 359975 |
| Name | CARRINGTON MTG SVCS |
|---|---|
| Address | ANAHEIM, CA 92086 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Apr 11, 2049 |
| Rate | 5% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT DE |
| Property Address | 538 CAROL ST, DOVER, DE 19904-2958 |
| Document Number | 0000359974 |
| Instrument Date | Mar 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 538 CAROL ST DOVER DE 199042958, DOVER, DE 19904-2958 |
| Document Number | 0000359974 |
|---|---|
| Date | Apr 12, 2019 |
| Book Page | 009551/000210 |
| Instrument | 359974 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 11, 2049 |
The 2026 property tax bill for 538 Carol St was $1,448, 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 | $1,448.00 (+5.85%) | $232,700 Land $84,600 Building $148,100 |
| 2025 | $1,368.00 | |
| 2023 | $759.00 | $25,800 Land $9,700 Building $16,100 |
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 538 Carol St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1988.
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 Claims | 1 (1988) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 1988 · erosion |
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 538 Carol 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 223 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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