905 Bray Rd, Middletown, DE 19709 Property Records

New Castle County property record for 905 Bray Rd, Middletown, DE 19709

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,980 sqft · built 2017
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,255 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-018.20-159`

Property Details

APN / Parcel Number

Primary APN	`13-018.20-159`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,980 sqft Living Area
1st Floor Area	1,624 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	905 BRAY RD
City	MIDDLETOWN
State	DE
Zip	19709-7515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S
Legal Subdivision	SHANNON COVE
Legal Lot Number	100
Jurisdiction	NEW CASTLE DE
Township / Civil Division	MIDDLETOWN-ODESSA
Census Block Group	3
Census Block	3003
Census Tract	16612

Owner

Source: New Castle County records, as of May 6, 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	905 BRAY RD, MIDDLETOWN, DE 19709-7515
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2021	Deed of Trust, Mortgage · Line of Credit WILMINGTON SAVINGS FUND SOCIETY FSB
Nov 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Jul 29, 2019	Deed of Trust, Mortgage · Conventional with PMI EMBRACE HM LOANS
Mar 30, 2017	Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW CASTLE DE
Property Address	905 BRAY RD, MIDDLETOWN, DE 19709-7515
Transaction Type	Mortgage
Record Updated	Oct 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 BRAY RD, MIDDLETOWN, DE 19709-7515

Mortgage

Document Number	0000110032
Date	Sep 22, 2021
Instrument	20210922-0110032

Lender

Name	WILMINGTON SAVINGS FUND SOCIETY FSB
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW CASTLE DE
Property Address	905 BRAY RD, MIDDLETOWN, DE 19709-7515
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000104006
Date	Nov 18, 2020
Instrument	20201118-0104006

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2040

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW CASTLE DE
Property Address	905 BRAY RD, MIDDLETOWN, DE 19709-7515
Document Number	0000061311
Instrument Date	Jul 29, 2019
Transaction Type	Mortgage
Record Updated	Aug 15, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 BRAY RD MIDDLETOWN DE 197097515, MIDDLETOWN, DE 19709-7515

Mortgage

Document Number	0000061311
Date	Aug 6, 2019
Instrument	61311

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Aug 5, 2039

March 2017: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	NEW CASTLE DE
Recording Date	Mar 30, 2017
Property Address	905 BRAY RD, MIDDLETOWN, DE 19709-7515
Document Number	0000015815
Instrument Date	Mar 13, 2017
Instrument	20170330-0015815
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration 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	905 BRAY RD, MIDDLETOWN, DE 19709-7515

Mortgage

Document Number	0000015816
Date	Mar 30, 2017
Instrument	20170330-0015816

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

Source: New Castle County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Delaware
County	New Castle County
Unified School District	Appoquinimink School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,255.00 (+19.79%)	$651,100 (+450.85%) Land $127,200 Building $523,900
2024			$559,710
2023	$4,387.00	$118,200 Land $12,000 Building $106,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 21, 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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	8 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 87% of Delaware
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 189 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Breezeline.

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