Kent County property record for 722 W Commerce St, Smyrna, DE 19977
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,440 sqft · built 1997 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $305,000 (Apr 2025) |
| Tax Bill | $1,189 (2026) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage Jun 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1-00-018.08-01-44.00-000 |
| Primary APN | 1-00-018.08-01-44.00-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,440 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 13,504 sqft (0.31 acres) |
| Lot Dimensions | 222 ft deep x 60 ft wide |
| View / Lot | Major Street/Thoroughfare |
| Garage Type | Finished |
| Garage Area | 338 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 224 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 63561 |
|---|---|
| Street Address | 722 W COMMERCE ST |
| City | SMYRNA |
| State | DE |
| Zip | 19977-1251 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM |
| Legal Description | SPRUANCE CITY, SW 40' LOT 196 & NE 20'LOT 197 722 W COMMERCE ST |
| Legal Subdivision | SPRUANCE CITY |
| Legal Lot Number | 196 |
| Jurisdiction | KENT DE |
| Township / Civil Division | SMYRNA |
| Census Block Group | 1 |
| Census Block | 1085 |
| Census Tract | 40204 |
722 W Commerce St is owned and occupied by two individuals who bought it in April 2025.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 722 W COMMERCE ST, SMYRNA, DE 19977-1251 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 13, 2021 | Deed, Transfer · VA Mortgage KEYSTONE FUNDING INC |
| Jun 1, 2017 | Grant Deed, Transfer · FHA Mortgage ATLANTIC HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 7, 2025 · Amount on File |
| Deed Sale | Apr 7, 2025 · Amount on File |
| Prior Sale | Aug 13, 2021 · Amount on File |
| Deed Document Number | 2025511481 |
| Deed Book / Page | 13503 / 163 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENT DE |
| Recording Date | Aug 13, 2021 |
| Property Address | 722 W COMMERCE ST, SMYRNA, DE 19977-1251 |
| Document Number | 0000426950 |
| Book / Page | 11303 / 171 |
| Instrument Date | Aug 12, 2021 |
| Instrument | 2021-426950 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,320.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Document Number | 0000426951 |
|---|---|
| Date | Aug 13, 2021 |
| Instrument | 2021-426951 |
| Name | KEYSTONE FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Number | 0000426952 |
|---|---|
| Date | Aug 13, 2021 |
| Book Page | 11303/195 |
| Instrument | 2021-426952 |
| Name | DELAWARE STATE HOUSING AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | DOVER, DE 19901 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENT DE |
| Recording Date | Jun 1, 2017 |
| Property Address | 722 W COMMERCE ST, SMYRNA, DE 19977-1251 |
| Document Number | 0000319759 |
| Book / Page | 008639 / 000188 |
| Instrument Date | May 31, 2017 |
| Instrument | 319759 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2017 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,880.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 722 W COMMERCE ST SMYRNA DE 199771251, SMYRNA, DE 19977-1251 |
| Document Number | 319760 |
|---|---|
| Date | Jun 1, 2017 |
| Book Page | 008639/000192 |
| Instrument | 319760 |
| Name | ATLANTIC HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 31, 2047 |
The 2026 property tax bill for 722 W Commerce St was $1,189, up 1.5% from the year before.
Source: Kent County assessment roll, as of September 9, 2026
| Type | Name |
|---|---|
| State | Delaware |
| County | Kent County |
| Unified School District | Smyrna School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,189.00 (+1.45%) | $279,700 Land $98,800 Building $180,900 |
| 2025 | $1,172.00 | |
| 2023 | $1,107.00 | $41,700 Land $6,200 Building $35,500 |
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 722 W Commerce St in Zone X, an area of minimal flood risk.
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 | 4 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.
Wildfire risk around 722 W Commerce St 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 98% of the US · lower than 91% 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 | SMYRNA WATER DEPARTMENT serves 11,813 people · EPA ID DE0000657 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | Under 1 ppb (2022–2024) 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.
Source: FCC Broadband Data Collection, based on 289 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
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