540 S Carter Rd, Smyrna, DE 19977 Property Records

Kent County property record for 540 S Carter Rd, Smyrna, DE 19977

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,979 sqft · built 1999
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,642 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Dec 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1-00-019.13-02-51.00-000`

Property Details

APN / Parcel Number

Primary APN	`1-00-019.13-02-51.00-000`
Alternative APNs	`DC00019.130251.00/000` `65833` `72043`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,979 sqft Living Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	22,651 sqft (0.52 acres)
Lot Dimensions	182 ft deep x 124 ft wide
View / Lot	Major Street/Thoroughfare
Garage Type	Finished
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Account Number	72043
Street Address	540 S CARTER RD
City	SMYRNA
State	DE
Zip	19977-1734
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS1
Legal Description	CARMAN M SHERIDAN LOT 15, 22,756 SQ FT 540 S CARTER ROAD
Legal Subdivision	CARMAN SHERIDAN - 2
Legal Lot Number	15
Jurisdiction	KENT DE
Township / Civil Division	SMYRNA
Census Block Group	1
Census Block	1091
Census Tract	40204

Owner

540 S Carter Rd is owned and occupied by two individuals who acquired it in January 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	540 S CARTER RD, SMYRNA, DE 19977-1734
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
Apr 10, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage WILMINGTON SAVINGS FUND SOCIETY FSB
May 30, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2025
Deed Sale	Jan 17, 2025
Prior Sale	Jul 27, 2016 · Amount on File
Deed Document Number	2025507202
Deed Book / Page	13385 / 119
Prior Transfer Date	Jul 18, 2016
Prior Transfer Doc	0000300409
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT DE
Recording Date	Apr 10, 2026
Property Address	540 S CARTER RD, SMYRNA, DE 19977-1734
Document Number	0000533773
Book / Page	14131 / 270
Instrument Date	Apr 3, 2026
Instrument	2026533773
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	540 S CARTER RD, SMYRNA, DE 19977-1734

Mortgage

Document Number	0000533773,
Date	Apr 10, 2026
Book Page	14131/270
Instrument	2026533773

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT DE
Property Address	540 S CARTER RD, SMYRNA, DE 19977-1734
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000353909
Date	Dec 20, 2018
Book Page	9417/181
Instrument	2018-353909

Lender

Name	WILMINGTON SAVINGS FUND SOCIETY FSB
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENT DE
Recording Date	May 30, 2017
Property Address	540 S CARTER RD, SMYRNA, DE 19977-1734
Document Number	0000319489
Book / Page	008633 / 000299
Instrument Date	May 25, 2017
Instrument	319489
Transaction Type	Transfer
Record Updated	Jun 7, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2,793.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3895 BRENFORD RD SMYRNA DE 199773675, SMYRNA, DE 19977-3675

Tax Assessment & Valuation

The 2026 property tax bill for 540 S Carter Rd was $1,642, up 1.4% 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	Smyrna School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$1,642.00 (+1.36%)	$386,400 (-) Land $108,500 Building $277,900
2025	$1,620.00	$386,400 Land $108,500 Building $277,900
2023	$1,463.00	$55,100 Land $12,400 Building $42,700

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 540 S Carter Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

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 540 S Carter Rd 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 97% of the US · lower than 87% 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.

Drinking Water

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

Water System	SMYRNA WATER DEPARTMENT serves 11,813 people · EPA ID DE0000657
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2022–2024) 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 484 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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