Kent County property record for 544 S Bay Rd, Dover, DE 19901
| Property Type | Residential Vacant Land |
|---|---|
| Details | built 1901 |
| Lot Size | 1.2 acres (52,272 sqft) |
| Owner | Company Name on File |
| Last Sale | $620,000 (Sep 2026) |
| Tax Bill | $3,300 (2026) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Jun 2022 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2-05-077.00-01-10.01-000 |
| Primary APN | 2-05-077.00-01-10.01-000 |
|---|---|
| Alternative APNs |
|
| Lot Area | 52,272 sqft (1.2 acres) |
|---|---|
| Lot Width | 0.3 ft Width |
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Account Number | 6522 |
|---|---|
| Street Address | 544 S BAY RD |
| City | DOVER |
| State | DE |
| Zip | 19901-4603 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | C4 |
| Legal Description | 540 BAY ROAD |
| Legal Subdivision | BAY COURT PLAZA |
| Jurisdiction | KENT DE |
| Township / Civil Division | DOVER |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 41200 |
544 S Bay Rd, residential vacant land, is owned by a company that bought it in September 2026.
Source: Kent County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2071 MCKEE RD, DOVER, DE 19904-1409 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Sep 21, 2026 | Deed, Transfer · Conventional Mortgage LUMINATE HOME LOANS INC |
| Jun 7, 2022 | Intrafamily Transfer, Transfer STEWART TITLE, STEWART TITLE GUARANTY CO |
| Aug 13, 2018 | Grant Deed, Mortgage BANK OF AMERICA |
| Apr 21, 2017 | Grant Deed, Transfer · Line of Credit BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 21, 2026 · Amount on File |
| Deed Sale | Sep 21, 2026 · Amount on File |
| Deed Document Number | 2026544579 |
| Deed Book / Page | 14430 / 277 |
| Prior Transfer Date | Jun 6, 2022 |
| Prior Transfer Doc | 0000453146 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENT DE |
| Recording Date | Sep 21, 2026 |
| Property Address | 544 S BAY RD, DOVER, DE 19901-4603 |
| Document Number | 0000544579 |
| Book / Page | 14430 / 277 |
| Instrument Date | Sep 8, 2026 |
| Instrument | 2026544579 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,504,800.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 2071 MCKEE RD, DOVER, DE 19904-1409 |
| Document Number | 0000544580, |
|---|---|
| Date | Sep 21, 2026 |
| Instrument | 2026544580 |
| Name | LUMINATE HOME LOANS INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 24 Months |
| Due | Sep 18, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENT DE |
| Recording Date | Jun 7, 2022 |
| Property Address | 544 S BAY RD, DOVER, DE 19901-4603 |
| Document Number | 0000453146 |
| Book / Page | 11981 / 315 |
| Map Reference | MB 136 PG 9 |
| Instrument Date | Jun 6, 2022 |
| Instrument | 2022-453146 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2022 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12218 CLEGHORN RD, COCKEYSVILLE, MD 21030-2225 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENT DE |
| Recording Date | Aug 13, 2018 |
| Property Address | 544 S BAY RD, DOVER, DE 19901-4603 |
| Book / Page | 009245 / 000096 |
| Instrument Date | Jul 17, 2018 |
| Instrument | 346008 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 10710 GILROY RD HUNT VALLEY MD 210311310, HUNT VALLEY, MD 21031-1310 |
| Document Number | 0000346008 |
|---|---|
| Date | Aug 13, 2018 |
| Book Page | 009245/000096 |
| Instrument | 346008 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | 101 N TRYON ST, CHARLOTTE, NC 28246-0100 |
| Amount | Amount on Record |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENT DE |
| Recording Date | Apr 21, 2017 |
| Property Address | 544 S BAY RD, DOVER, DE 19901-4603 |
| Document Number | 0000317357 |
| Book / Page | 008585 / 000081 |
| Instrument Date | Apr 12, 2017 |
| Instrument | 317357 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $21,000.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 10710 GILROY RD HUNT VALLEY MD 210311310, HUNT VALLEY, MD 21031-1310 |
| Document Number | 317358 |
|---|---|
| Date | Apr 21, 2017 |
| Book Page | 008585/000085 |
| Instrument | 317358 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255-0001 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 544 S Bay Rd was $3,300, 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 | $3,300.00 (+5.84%) | $530,500 (-) Land $530,500 |
| 2025 | $3,118.00 | $530,500 Land $530,500 |
| 2023 | $2,616.00 | $88,900 Land $88,900 |
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 544 S Bay Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.
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 | 5 in force |
| Nearby Flood Claims | 1 (2023) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2023 · rainfall accumulation |
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 544 S Bay 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 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 139 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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