Kent County property record for 651 Downs Chapel Rd, Clayton, DE 19938
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,160 sqft · built 2002 |
| Lot Size | 16.1 acres (702,187 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $117,000 (Jan 1994) |
| Tax Bill | $2,731 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Sep 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-00-053.00-01-21.00-000 |
| Primary APN | 3-00-053.00-01-21.00-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,160 sqft Living Area |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Bungalow |
| Exterior Material | Block |
| Construction Type | Frame |
| Lot Area | 702,187 sqft (16.1 acres) |
| Lot Width | 2 ft Width |
| View / Lot | Major Street/Thoroughfare |
| Garage Type | Finished |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 366 sqft |
| Milk House | Milk House |
| Poultry House | Poultry House |
| Pole Barn | Pole Barn |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 19876 |
|---|---|
| Street Address | 651 DOWNS CHAPEL RD |
| City | CLAYTON |
| State | DE |
| Zip | 19938-2724 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | W. SIDE CO. RD. #97, 16.1225 A. 651 DOWNS CHAPEL RD. |
| Jurisdiction | KENT DE |
| Township / Civil Division | KENTON |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 40100 |
Source: Kent County records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 651 DOWNS CHAPEL RD, CLAYTON, DE 19938-2724 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 3, 2026 | Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION |
| Sep 18, 2018 | Deed of Trust, Mortgage FARM CREDIT SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 1, 1994 · Amount on Record |
| Deed Sale | Jan 1, 1994 · Amount on Record |
| Deed Document Number | 1994255 201 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT DE |
| Recording Date | Aug 3, 2026 |
| Property Address | 651 DOWNS CHAPEL RD, CLAYTON, DE 19938-2724 |
| Document Number | 0000541520 |
| Book / Page | 14346 / 197 |
| Instrument Date | Jul 20, 2026 |
| Instrument | 2026541520 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 651 DOWNS CHAPEL RD, CLAYTON, DE 19938-2724 |
| Document Number | 0000541520, |
|---|---|
| Date | Aug 3, 2026 |
| Book Page | 14346/197 |
| Instrument | 2026541520 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jul 25, 2051 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT DE |
| Property Address | 651 DOWNS CHAPEL RD, CLAYTON, DE 19938-2724 |
| Document Number | 0000349594 |
| Instrument Date | Sep 18, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2018 |
| Name | Verified Name |
|---|---|
| Address | 651 DOWNS CHAPEL RD CLAYTON DE 199382724, CLAYTON, DE 19938-2724 |
| Document Number | 0000349594 |
|---|---|
| Date | Oct 11, 2018 |
| Book Page | 009326/000074 |
| Instrument | 349594 |
| Name | FARM CREDIT SVCS |
|---|---|
| Type | Funding / Finance Company |
| Address | WESTMINSTER, MD 21157 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 10, 2048 |
Source: Kent County assessment roll, as of September 8, 2025
| Type | Name |
|---|---|
| State | Delaware |
| County | Kent County |
| Unified School District | Smyrna School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $2,731.00 (+17.21%) | $626,600 (+647.73%) Land $149,100 Building $477,500 |
| 2023 | $2,330.00 | $83,800 Land $13,900 Building $69,900 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 1 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 47% 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 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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