809 Coldwater Dr, Clayton, DE 19938 Property Records

Kent County property record for 809 Coldwater Dr, Clayton, DE 19938

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,811 sqft · built 2014
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$455,000 (Jan 2025)
Tax Bill	$1,645 (2026)
Deeds & Mortgages	Jun 2023 Line of Credit May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-04-027.02-03-07.00-000`

Property Details

APN / Parcel Number

Primary APN	`3-04-027.02-03-07.00-000`
Alternative APNs	`KH04027.020307.00/000` `80591` `86781`

Interior

Bedrooms	4 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	1,811 sqft Living Area
Basement Area	817 sqft
Unfinished Basement	817 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	135 ft deep x 73.9 ft wide
View / Lot	Major Street/Thoroughfare
Garage Type	Finished
Garage Area	453 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	86781
Street Address	809 COLDWATER DR
City	CLAYTON
State	DE
Zip	19938-3909
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	PROVIDENCE CROSSING LOT 349 809 COLDWATER DRIVE
Legal Subdivision	PROVIDENCE CROSSING
Legal Lot Number	349
Jurisdiction	KENT DE
Township / Civil Division	SMYRNA
Census Block Group	2
Census Block	2006
Census Tract	40204

Owner

809 Coldwater Dr is owned and occupied by two individuals who bought it in January 2025.

Source: Kent County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	809 COLDWATER DR, CLAYTON, DE 19938-3909
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2023	Deed of Trust, Mortgage · Line of Credit DOVER FCU
May 21, 2021	Deed, Transfer · Conventional Mortgage LENDUS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2025 · Amount on File
Deed Sale	Jan 30, 2025 · Amount on File
Prior Sale	May 21, 2021 · Amount on File
Deed Document Number	2025507853
Deed Book / Page	13403 / 73
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT DE
Property Address	809 COLDWATER DR, CLAYTON, DE 19938-3909
Transaction Type	Mortgage
Record Updated	Jun 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000475315
Date	Jun 5, 2023
Book Page	12519/264
Instrument	2023-475315

Lender

Name	DOVER FCU
Type	Credit Union
Address	DOVER, DE 19904

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 4, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT DE
Recording Date	May 21, 2021
Property Address	809 COLDWATER DR, CLAYTON, DE 19938-3909
Document Number	0000418944
Book / Page	11085 / 85
Map Reference	MB 87 PG 27
Instrument Date	May 11, 2021
Instrument	2021-418944
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	GLOBAL TITLE COMPANY, GLOBAL TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	809 COLDWATER DR, CLAYTON, DE 19938-3909

Mortgage

Document Number	0000418945
Date	May 21, 2021
Instrument	2021-418945

Lender

Name	LENDUS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 809 Coldwater Dr was $1,645, up 1.4% from the year before.

Source: Kent County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Delaware
County	Kent County
Municipality	Clayton Town
Unified School District	Smyrna School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$1,645.00 (+1.42%)	$387,000 Land $65,500 Building $321,500
2025	$1,622.00
2023	$1,206.00	$45,400 Land $3,800 Building $41,600

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.

Flood

FEMA maps place 809 Coldwater Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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.

Wildfire

Wildfire risk around 809 Coldwater Dr 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 94% of the US · lower than 78% of Delaware
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ARTESIAN NORTHERN KENT REGIONAL private · serves 7,014 people · EPA ID DE00A0673
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Coldwater Dr

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