New Castle County property record for 540 Whispering Trl, Middletown, DE 19709
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,640 sqft · built 2002 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $192,320 (Oct 2002) |
| Deeds & Mortgages | Aug 2022 Line of Credit Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-028.00-055 |
| Primary APN | 23-028.00-055 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,640 sqft Living Area |
| 1st Floor Area | 1,640 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 540 WHISPERING TRL |
|---|---|
| City | MIDDLETOWN |
| State | DE |
| Zip | 19709-5801 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 23R-2 |
| Legal Subdivision | SPRINGMILL |
| Legal Lot Number | 288 |
| Jurisdiction | NEW CASTLE DE |
| Township / Civil Division | MIDDLETOWN-ODESSA |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 16610 |
540 Whispering Trl is owned and occupied by an individual who bought it in October 2002.
Source: New Castle County records, as of May 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 540 WHISPERING TRL, MIDDLETOWN, DE 19709-5801 |
| 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 |
|---|---|
| Aug 29, 2022 | Deed of Trust, Mortgage · Line of Credit DEL-ONE FCU |
| Nov 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 23, 2002 · Amount on File |
| Deed Sale | Oct 23, 2002 · Amount on File |
| Deed Document Number | 2002102276 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW CASTLE DE |
| Property Address | 540 WHISPERING TRL, MIDDLETOWN, DE 19709-5801 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000084943 |
|---|---|
| Date | Aug 29, 2022 |
| Instrument | 20220829-0084943 |
| Name | DEL-ONE FCU |
|---|---|
| Type | Credit Union |
| Address | DOVER, DE 19904 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Jul 26, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW CASTLE DE |
| Property Address | 540 WHISPERING TRL, MIDDLETOWN, DE 19709-5801 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000128630 |
|---|---|
| Date | Nov 5, 2021 |
| Instrument | 20211105-0128630 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 1, 2036 |
Source: New Castle County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Delaware |
| County | New Castle County |
| Municipality | Middletown Town |
| Unified School District | Appoquinimink School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $396,700 Land $86,300 Building $310,400 | ||
| 2024 | $366,210 | ||
| 2023 | Senior Citizen's exemption | $66,600 Land $10,600 Building $56,000 |
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 540 Whispering Trl in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 21, 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 | 8 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 risk around 540 Whispering Trl 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 99.1% of the US · lower than 95% 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 | MIDDLETOWN WATER DEPARTMENT serves 17,700 people · EPA ID DE0000614 |
|---|---|
| Water Source | Purchased surface water from ARTESIAN WATER COMPANY |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2025–2027) 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 211 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
| Breezeline Cable | 1,000 / 50 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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