645 Sandy Point Rd, Bethany Beach, DE 19930 Property Records

Sussex County property record for 645 Sandy Point Rd, Bethany Beach, DE 19930

Property Summary

Property Type	Condominium
Lot Size	11 acres (481,120 sqft)
Owner	Individual Name on Record
Last Sale	$450,000 (May 2025)
Deeds & Mortgages	Mar 2021 Refinance Jun 2022 Refinance + 11 more
Flood Zone	Zone AE (high risk)
APN	`134-17.00-44.00`

Property Details

APN / Parcel Number

Primary APN	`134-17.00-44.00`

Exterior

Architectural Style	Condo/Apartment
Lot Area	481,120 sqft (11 acres)

Location & Zoning

Street Address	645 SANDY POINT RD
City	BETHANY BEACH
State	DE
Zip	19930-9588
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	HR-2
Legal Description	NORTH SIDE RT 361 EAST SIDE ASSAWOMAN CANAL BAHANAS BEACH
Legal Subdivision	BAHAMAS BEACH COTTAGES
Jurisdiction	SUSSEX DE
Township / Civil Division	SELBYVILLE-FRANKFORD
Census Block Group	4
Census Block	4000
Census Tract	51203

Owner

Source: Sussex County records, as of September 18, 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 Record
Mailing Address	603 W END AVE, BETHANY BEACH, DE 19930-9580
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance KEYSTONE FUNDING
Jun 28, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE AFFINITY LLC
Jul 28, 2023	Deed, Transfer · Conventional Mortgage DIRECT MORTGAGE LOANS LLC
May 24, 2023	Deed, Transfer
May 24, 2023	Deed, Transfer
May 8, 2017	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS AND TRADERS TRUST COMPANY
Oct 24, 2022	Deed, Transfer
Sep 14, 2022	Quit Claim Deed, Transfer Quitclaim
Sep 15, 2021	Deed, Transfer
Nov 14, 2017	Grant Deed, Transfer ATTORNEY ONLY
Oct 25, 2017	Grant Deed, Transfer ATTORNEY ONLY
Oct 17, 2017	Grant Deed, Transfer · Conventional Mortgage PIKE CRK MTG SVCS
Oct 11, 2017	Grant Deed, Transfer · Conventional with PMI ACADEMY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2025 · Amount on Record
Deed Sale	May 7, 2025 · Amount on Record
Prior Sale	Aug 5, 2020 · Amount on Record
Deed Document Number	202515912
Deed Book / Page	6297 / 70
Prior Transfer Date	Sep 13, 2022
Prior Transfer Doc	0057740183
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUSSEX DE
Property Address	645 SANDY POINT RD, BETHANY BEACH, DE 19930-9588
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0196440203
Date	Mar 31, 2021
Book Page	19644/203
Instrument	20210000020933

Lender

Name	KEYSTONE FUNDING

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUSSEX DE
Property Address	645 SANDY POINT RD, BETHANY BEACH, DE 19930-9588
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0211560151
Date	Jun 28, 2022
Book Page	21156/151
Instrument	20220000031099

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SUSSEX DE
Recording Date	Jul 28, 2023
Property Address	645 SANDY POINT RD, BETHANY BEACH, DE 19930-9588
Document Number	0059480171
Book / Page	5948 / 171
Instrument Date	Jul 19, 2023
Instrument	2023000026562
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9082 CANNON RD, BRIDGEVILLE, DE 19933-4641

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5112 SCARSDALE RD, BETHESDA, MD 20816-2321

Mortgage

Document Number	2023000026563
Date	Jul 28, 2023
Instrument	2023000026563

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SUSSEX DE
Recording Date	May 24, 2023
Property Address	645 SANDY POINT RD, BETHANY BEACH, DE 19930-9588
Document Number	0059120123
Book / Page	5912 / 123
Map Reference	DB 1865 PG 299
Instrument Date	May 15, 2023
Instrument	2023000018093
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8238 WATERFORD RD, PASADENA, MD 21122-1242

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	8238 WATERFORD RD, PASADENA, MD 21122-1242

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SUSSEX DE
Recording Date	May 24, 2023
Property Address	645 SANDY POINT RD, BETHANY BEACH, DE 19930-9588
Document Number	0059120128
Book / Page	5912 / 128
Map Reference	DB 1865 PG 299
Instrument Date	May 15, 2023
Instrument	2023000018097
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6317 OLD SHAWNEE RD, MILFORD, DE 19963-3424

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6317 OLD SHAWNEE RD, MILFORD, DE 19963-3424

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUSSEX DE
Property Address	645 SANDY POINT RD, BETHANY BEACH, DE 19930-9588
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0162040280
Date	May 8, 2017
Book Page	16204/280
Instrument	17044

Lender

Name	MANUFACTURERS AND TRADERS TRUST COMPANY
Type	Bank
Address	LEWES, DE 19958

Agreement

Type	Line of Credit
Amount	Amount Recorded

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SUSSEX DE
Recording Date	Oct 24, 2022
Property Address	645 SANDY POINT RD, BETHANY BEACH, DE 19930-9588
Document Number	0057950327
Book / Page	5795 / 327
Instrument Date	Oct 24, 2022
Instrument	20220000048425
Transaction Type	Transfer
Record Updated	Mar 16, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	934 HARRIMAN ST, GREAT FALLS, VA 22066-2500

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SUSSEX DE
Recording Date	Sep 14, 2022
Property Address	645 SANDY POINT RD, BETHANY BEACH, DE 19930-9588
Document Number	0057740183
Book / Page	5774 / 183
Instrument Date	Sep 13, 2022
Instrument	20220000042865
Transaction Type	Transfer
Record Updated	Mar 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 EDGEWATER HOUSE RD, BETHANY BEACH, DE 19930-8091

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SUSSEX DE
Recording Date	Sep 15, 2021
Property Address	645 SANDY POINT RD, BETHANY BEACH, DE 19930-9588
Document Number	0055520079
Book / Page	5552 / 79
Instrument Date	Jul 22, 2021
Instrument	20210000057684
Transaction Type	Transfer
Record Updated	Mar 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUSSEX DE
Recording Date	Nov 14, 2017
Property Address	645 SANDY POINT RD, BETHANY BEACH, DE 19930-9588
Document Number	0047980147
Book / Page	004798 / 000147
Instrument Date	Oct 31, 2017
Instrument	42653
Transaction Type	Transfer
Record Updated	Jan 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$975.00
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	2803 SHADOWRIDGE DR OLNEY MD 208323071, OLNEY, MD 20832-3071

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUSSEX DE
Recording Date	Oct 25, 2017
Property Address	645 SANDY POINT RD, BETHANY BEACH, DE 19930-9588
Document Number	0047880184
Book / Page	004788 / 000184
Instrument Date	Oct 20, 2017
Instrument	39747
Transaction Type	Transfer
Record Updated	Jan 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 CAMBRIAN CT MARTINSBURG WV 254031188, MARTINSBURG, WV 25403-1188

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUSSEX DE
Recording Date	Oct 17, 2017
Property Address	645 SANDY POINT RD, BETHANY BEACH, DE 19930-9588
Document Number	0047850056
Book / Page	004785 / 000056
Instrument Date	Oct 13, 2017
Instrument	38888
Transaction Type	Transfer
Record Updated	Jan 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	21 RAVINE RD WILMINGTON DE 198102930, WILMINGTON, DE 19810-2930

Mortgage

Document Number	165150317
Date	Oct 17, 2017
Book Page	016515/000317
Instrument	38889

Lender

Name	PIKE CRK MTG SVCS
Type	Mortgage Company
Address	NEWARK, DE 19711

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 16, 2047

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUSSEX DE
Recording Date	Oct 11, 2017
Property Address	645 SANDY POINT RD, BETHANY BEACH, DE 19930-9588
Document Number	0047820044
Book / Page	004782 / 000044
Instrument Date	Sep 15, 2017
Instrument	38114
Transaction Type	Transfer
Record Updated	Jan 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$945.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 FAIRMONT ST NW #6 WASHINGTON DC 200013946, 6, WASHINGTON, DC 20001-3946

Mortgage

Document Number	165050001
Date	Oct 11, 2017
Book Page	016505/000001
Instrument	38115

Lender

Name	ACADEMY MTG
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2047

Tax Assessment & Valuation

Source: Sussex County assessment roll, as of September 18, 2026

Property Jurisdictions

Type	Name
State	Delaware
County	Sussex County
Unified School District	Indian River School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$24,300 (-) Land $24,300	$333,400 (-) Land $333,400
2025		$24,300 (-) Land $24,300	$333,400 (+586.01%) Land $333,400
2023	Additional exemption filed	$24,300 (-) Land $24,300	$48,600 (-) Land $48,600
2022	Additional exemption filed	$24,300 Land $24,300	$48,600 Land $48,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 88 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	367 units insured incl. 279 condo units

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	ARTESIAN SOUTHERN SUSSEX REGIONAL private · serves 20,145 people · EPA ID DE00A0323
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jun 2019
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 308 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Bloosurf, T-Mobile.

Nearby Properties on Sandy Point Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures