New Castle County property record for 638 Commerce St, Townsend, DE 19734 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,038 sqft · built 1991 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,863 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Apr 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-004.00-128 |
| Primary APN | 25-004.00-128 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,038 sqft Living Area |
| 1st Floor Area | 1,038 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,454 sqft (0.24 acres) |
| Porch | Open Porch |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Street Address | 638 COMMERCE ST |
|---|---|
| City | TOWNSEND |
| State | DE |
| Zip | 19734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | BAILEY SUBD |
| Legal Lot Number | 2 |
| Jurisdiction | NEW CASTLE DE |
| Township / Civil Division | MIDDLETOWN-ODESSA |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 16806 |
Source: New Castle County records · APN 25-004.00-128
Assessment roll updated April 13, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 638 COMMERCE ST, TOWNSEND, DE 19734 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 07, 2026 | Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE |
| Apr 14, 2022 | Deed, Transfer |
| Nov 01, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 16, 2024 |
| Deed Sale | May 16, 2024 |
| Prior Sale | May 06, 2016 · Amount on Record |
| Deed Document Number | 202431329 |
| Prior Transfer Date | Oct 14, 2021 |
| Prior Transfer Doc | 0000126429 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW CASTLE DE |
| Recording Date | May 07, 2026 |
| Property Address | 638 COMMERCE ST, TOWNSEND, DE 19734 |
| Document Number | 0000033154 |
| Instrument Date | May 01, 2026 |
| Instrument | 202633154 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU |
| Name | Verified Name |
|---|---|
| Address | 638 COMMERCE ST, TOWNSEND, DE 19734 |
| Investor | Possibly a Property Investor |
| Document Number | 0000033154, |
|---|---|
| Date | May 07, 2026 |
| Instrument | 202633154 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | NEW CASTLE DE |
| Recording Date | Apr 14, 2022 |
| Property Address | 638 COMMERCE ST, TOWNSEND, DE 19734 |
| Document Number | 0000041044 |
| Map Reference | DOC 20050308 |
| Instrument Date | Jan 27, 2022 |
| Instrument | 20220414-0041044 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18 E GREEN ST APT A, A, MIDDLETOWN, DE 19709-4403 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | NEW CASTLE DE |
| Recording Date | Nov 01, 2021 |
| Property Address | 638 COMMERCE ST, TOWNSEND, DE 19734 |
| Document Number | 0000126429 |
| Map Reference | DOC 20050308 |
| Instrument Date | Oct 14, 2021 |
| Instrument | 20211101-0126429 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 8 ZELKOVA RD, SMYRNA, DE 19977-3967 |
| Document Number | 0000126432 |
|---|---|
| Date | Nov 01, 2021 |
| Instrument | 20211101-0126432 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2051 |
Source: New Castle County records · Assessment roll updated April 13, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Delaware |
| County | New Castle County |
| Municipality | Townsend Town |
| Unified School District | Appoquinimink School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,863.00 (+62.42%) | $275,000 (+643.24%) Land $59,400 Building $215,600 | |
| 2024 | $246,420 | ||
| 2023 | $1,147.00 | $37,000 Land $4,000 Building $33,000 |
Source: FEMA National Flood Hazard Layer, New Castle County (10003C), updated January 21, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Low above 20% of the US · above 47% of Delaware |
|---|---|
| Wildfire Likelihood | About 1 in 6,250 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026
| Historic District | Within the Townsend Historic District listed 1986 · 223 contributing resources · NRIS 86001029 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 210 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Cogeco Cable Holdings II | Cable | 1,000 / 50 |
| Verizon | Fiber | 980 / 880 |
| AT&T | Fixed Wireless | 100 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
May also be available at this address: Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.
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