New Castle County property record for 649 Vance Neck Rd, Middletown, DE 19709
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,450 sqft · built 1996 |
| Lot Size | 2.94 acres (128,066 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $650,000 (Oct 2024) |
| Tax Bill | $1,199 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Feb 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-018.00-166 |
| Primary APN | 13-018.00-166 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,450 sqft Living Area |
| 1st Floor Area | 1,252 sqft |
| Family Room | Family Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 128,066 sqft (2.94 acres) |
| Lot Dimensions | 888 ft deep x 53 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 649 VANCE NECK RD |
|---|---|
| City | MIDDLETOWN |
| State | DE |
| Zip | 19709-9568 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NC2A |
| Legal Subdivision | RETTIG SUBD |
| Legal Lot Number | 4 |
| Jurisdiction | NEW CASTLE DE |
| Township / Civil Division | MIDDLETOWN-ODESSA |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 16608 |
649 Vance Neck Rd is owned and occupied by two individuals who bought it in October 2024.
Source: New Castle County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 649 VANCE NECK RD, MIDDLETOWN, DE 19709-9568 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 4, 2026 | Deed of Trust, Mortgage · Line of Credit DOVER FEDERAL CREDIT UNION |
| Feb 21, 2024 | Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC |
| Sep 3, 2021 | Deed, Transfer · FHA Mortgage MERIDIAN BANK |
| Apr 26, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 2024 · Amount on File |
| Deed Sale | Oct 2, 2024 · Amount on File |
| Prior Sale | Sep 3, 2021 |
| Deed Document Number | 202466306 |
| Prior Transfer Date | Apr 2, 2013 |
| Prior Transfer Doc | 0000022935 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW CASTLE DE |
| Recording Date | Aug 4, 2026 |
| Property Address | 649 VANCE NECK RD, MIDDLETOWN, DE 19709-9568 |
| Document Number | 0000059640 |
| Instrument Date | Jul 22, 2026 |
| Instrument | 202659640 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 649 VANCE NECK RD, MIDDLETOWN, DE 19709-9568 |
| Document Number | 0000059640, |
|---|---|
| Date | Aug 4, 2026 |
| Instrument | 202659640 |
| Name | DOVER FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW CASTLE DE |
| Property Address | 649 VANCE NECK RD, MIDDLETOWN, DE 19709-9568 |
| Transaction Type | Mortgage |
| Record Updated | Feb 29, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 649 VANCE NECK RD, MIDDLETOWN, DE 19709-9568 |
| Document Number | 0000010646 |
|---|---|
| Date | Feb 21, 2024 |
| Instrument | 20240221-0010646 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | TEMPE, AZ 85284 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 331 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | NEW CASTLE DE |
| Recording Date | Sep 3, 2021 |
| Property Address | 649 VANCE NECK RD, MIDDLETOWN, DE 19709-9568 |
| Document Number | 0000103359 |
| Map Reference | DOC 20130410 0022935 |
| Instrument Date | Aug 27, 2021 |
| Instrument | 20210903-0103359 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 649 VANCE NECK RD, MIDDLETOWN, DE 19709-9568 |
| Document Number | 0000103363 |
|---|---|
| Date | Sep 3, 2021 |
| Instrument | 20210903-0103363 |
| Name | MERIDIAN BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW CASTLE DE |
| Property Address | 649 VANCE NECK RD, MIDDLETOWN, DE 19709-9568 |
| Document Number | 0000032591 |
| Instrument Date | Apr 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 649 VANCE NECK RD MIDDLETOWN DE 197099568, MIDDLETOWN, DE 19709-9568 |
| Document Number | 0000032591 |
|---|---|
| Date | May 3, 2019 |
| Instrument | 32591 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 2, 2049 |
The 2025 property tax bill for 649 Vance Neck Rd was $1,199.
Source: New Castle County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Delaware |
| County | New Castle County |
| Unified School District | Appoquinimink School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,199.00 | $658,100 Land $215,500 Building $442,600 | |
| 2024 | $563,310 | ||
| 2023 | $3,321.00 | $93,400 Land $20,800 Building $72,600 |
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 649 Vance Neck Rd in Zone X, an area of minimal flood risk, though there have been 64 flood claims nearby since 1979.
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 |
| Flood Insurance Cost | Premium on File median of 76 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 76 in force |
| Nearby Flood Claims | 64 (1979–2024) |
| Claims Outside the SFHA | 2 of 64 |
| Most Recent Claim | Feb 2024 · other causes |
| Claims by Event |
|
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 649 Vance Neck Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 84% of Delaware |
|---|---|
| Wildfire Likelihood | 0.02% 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: FCC Broadband Data Collection, based on 63 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Breezeline Cable | 1,000 / 50 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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