Kent County property record for 785 Oak Dr, Dover, DE 19904
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,729 sqft · built 1988 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $217,900 (Aug 2018) |
| Tax Bill | $1,889 (2026) |
| Deeds & Mortgages | Aug 2020 Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 2-05-085.08-01-24.01-000 |
| Primary APN | 2-05-085.08-01-24.01-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,729 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 15,682 sqft (0.36 acres) |
| Lot Dimensions | 139 ft deep x 113 ft wide |
| View / Lot | Major Street/Thoroughfare |
| Garage Type | Finished |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 9594 |
|---|---|
| Street Address | 785 OAK DR |
| City | DOVER |
| State | DE |
| Zip | 19904-4341 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Description | HOLLY TERRACE LOT 2 & PT OF 3 785 OAK DRIVE |
| Legal Subdivision | HOLLY TERRACE |
| Legal Lot Number | 2 |
| Jurisdiction | KENT DE |
| Township / Civil Division | DOVER |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 41500 |
785 Oak Dr is owned and occupied by two individuals who bought it in August 2018.
Source: Kent County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 785 OAK DR, DOVER, DE 19904-4341 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 20, 2020 | Deed of Trust, Mortgage · FHA Mortgage AMERIHOME MORTGAGE COMPANY LLC |
| Aug 23, 2018 | Deed, Transfer · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 23, 2018 · Amount on File |
| Deed Sale | Aug 23, 2018 · Amount on File |
| Deed Document Number | 2018346640 |
| Deed Book / Page | 9258 / 22 |
| Prior Transfer Date | Sep 2, 2005 |
| Prior Transfer Doc | 0000029491 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT DE |
| Property Address | 785 OAK DR, DOVER, DE 19904-4341 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000392951 |
|---|---|
| Date | Aug 20, 2020 |
| Book Page | 10372/1 |
| Instrument | 2020-392951 |
| Name | AMERIHOME MORTGAGE COMPANY LLC |
|---|---|
| Type | Mortgage Company |
| Address | THOUSAND OAKS, CA 91362 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENT DE |
| Recording Date | Aug 23, 2018 |
| Property Address | 785 OAK DR, DOVER, DE 19904-4341 |
| Document Number | 0000346640 |
| Book / Page | 9258 / 022 |
| Map Reference | MB2 PG41 |
| Instrument Date | Aug 8, 2018 |
| Instrument | 2018-346640 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,447.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 785 OAK DR, DOVER, DE 19904-4341 |
| Document Number | 0000346641 |
|---|---|
| Date | Aug 23, 2018 |
| Instrument | 2018-346641 |
| Name | RESIDENTIAL MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2048 |
The 2026 property tax bill for 785 Oak Dr was $1,889, up 5.8% from the year before.
Source: Kent County assessment roll, as of September 9, 2026
| Type | Name |
|---|---|
| State | Delaware |
| County | Kent County |
| Municipality | Dover City |
| Unified School District | Capital School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,889.00 (+5.83%) | $303,700 Land $101,200 Building $202,500 |
| 2025 | $1,785.00 | |
| 2023 | $1,654.00 | $56,200 Land $15,400 Building $40,800 |
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 785 Oak Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective May 25, 2026 · 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 | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 2 (2011–2026) |
| Most Recent Claim | Aug 2026 · rainfall accumulation |
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 785 Oak Dr is low, with 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 95% of the US · lower than 81% of Delaware |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | DOVER WATER DEPARTMENT serves 39,491 people · EPA ID DE0000571 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Lead | 2 ppb (2024–2026) 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 344 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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