809 Spruce Ave, Milford, DE 19963 Property Records

Kent County property record for 809 Spruce Ave, Milford, DE 19963

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,596 sqft · built 1975
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Aug 2020)
Tax Bill	$1,541 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5-00-174.15-01-06.00-000`

Property Details

APN / Parcel Number

Primary APN	`5-00-174.15-01-06.00-000`
Alternative APNs	`MD00174.150106.00/000` `25197`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,596 sqft Living Area
Basement Area	1,596 sqft
Unfinished Basement	1,596 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	21,344 sqft (0.49 acres)
Lot Dimensions	176 ft deep x 120 ft wide
View / Lot	Major Street/Thoroughfare
Garage Type	Finished
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	25197
Street Address	809 SPRUCE AVE
City	MILFORD
State	DE
Zip	19963-1334
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS1
Legal Description	WOODS HAVEN SEC A LOT 85 809 SPRUCE AVENUE
Legal Subdivision	WOODS HAVEN
Legal Lot Number	85
Jurisdiction	KENT DE
Township / Civil Division	MILFORD NORTH
Census Block Group	1
Census Block	1001
Census Tract	42500

Owner

809 Spruce Ave is owned and occupied by two individuals who bought it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	809 SPRUCE AVE, MILFORD, DE 19963-1334
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
Jul 13, 2022	Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC
Aug 21, 2020	Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2020 · Amount on File
Deed Sale	Aug 21, 2020 · Amount on File
Prior Sale	Jan 2, 2015 · Amount on File
Deed Document Number	2020392981
Deed Book / Page	10372 / 265
Record Updated	Oct 29, 2026

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT DE
Recording Date	Jul 13, 2022
Property Address	809 SPRUCE AVE, MILFORD, DE 19963-1334
Document Number	0000455013
Book / Page	12028 / 275
Map Reference	MB 9 PG 68
Instrument Date	Jun 24, 2022
Instrument	2022-455013
Transaction Type	Transfer
Record Updated	Jul 26, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 8161, NEWARK, DE 19714-8161

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 SPRUCE AVE, MILFORD, DE 19963-1334

Mortgage

Document Number	0000455014
Date	Jul 13, 2022
Instrument	2022-455014

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT DE
Recording Date	Aug 21, 2020
Property Address	809 SPRUCE AVE, MILFORD, DE 19963-1334
Document Number	0000392981
Book / Page	10372 / 265
Map Reference	MB 9 PG 68
Instrument Date	Aug 14, 2020
Instrument	2020-392981
Transaction Type	Transfer
Record Updated	Sep 6, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,000.00
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 by the Entirety
Address	809 SPRUCE AVE, MILFORD, DE 19963-1334

Mortgage

Document Number	0000392982
Date	Aug 21, 2020
Instrument	2020-392982

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 809 Spruce Ave was $1,541, up 1% from the year before.

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

Property Jurisdictions

Type	Name
State	Delaware
County	Kent County
Unified School District	Milford School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$1,541.00 (+0.98%)	$314,600 Land $91,200 Building $223,400
2025	$1,526.00
2023	$1,409.00	$47,100 Land $9,900 Building $37,200

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 Spruce Ave in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1984.

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
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	9 (1984–2018)
Most Recent Claim	Sep 2018 · 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

Wildfire risk around 809 Spruce Ave 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 94% of the US · lower than 75% of Delaware
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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