962 Terrapin St, Bethany Beach, DE 19930 Property Records

Sussex County property record for 962 Terrapin St, Bethany Beach, DE 19930

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,480 sqft · built 2002
Lot Size	0.229 acres (9,967 sqft)
Owner	2 Individual Names on File
Last Sale	$100,000 (Sep 2001)
Tax Bill	$1,595 (2026)
Deeds & Mortgages	Oct 2020 Refinance Dec 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`134-13.00-1069.00`

Property Details

APN / Parcel Number

Primary APN	`134-13.00-1069.00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,480 sqft Living Area
Gross Area	2,479 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	9,967 sqft (0.229 acres)
Lot Dimensions	202 ft deep x 62 ft wide
Garage Type	Mixed
Garage Area	132 sqft

Exterior Amenities

Porch	Slab
Porch Area	205 sqft
Deck Area	Deck Area
Patio Area	1,232 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	962 TERRAPIN ST
City	BETHANY BEACH
State	DE
Zip	19930-9682
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TN
Legal Description	TURTLE WALK OF BETHANY LOT 102
Legal Subdivision	BETHANY BEACH
Legal Lot Number	102
Jurisdiction	SUSSEX DE
Township / Civil Division	SELBYVILLE-FRANKFORD
Census Block Group	1
Census Block	1009
Census Tract	51203

Owner

962 Terrapin St is owned and occupied by two individuals who bought it in September 2001.

Source: Sussex County records, as of September 18, 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	962 TERRAPIN ST, BETHANY BEACH, DE 19930-9682
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Dec 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FULTON BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2001 · Amount on File
Deed Sale	Sep 4, 2001 · Amount on File
Deed Book / Page	2626 / 256
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUSSEX DE
Property Address	962 TERRAPIN ST, BETHANY BEACH, DE 19930-9682
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0189770154
Date	Oct 30, 2020
Book Page	18977/154
Instrument	20200000052570

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUSSEX DE
Property Address	962 TERRAPIN ST, BETHANY BEACH, DE 19930-9682
Document Number	0193280261
Instrument Date	Dec 21, 2020
Transaction Type	Mortgage
Record Updated	Feb 12, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	962 TERRAPIN ST BETHANY BEACH DE 199309682, BETHANY BEACH, DE 19930-9682

Mortgage

Document Number	0193280261
Date	Jan 25, 2021
Book Page	019328/000261
Instrument	4908

Lender

Name	FULTON BK NA
Address	OCEAN VIEW, DE 19970

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Sussex County assessment roll, as of September 18, 2026

Property Jurisdictions

Type	Name
State	Delaware
County	Sussex County
Municipality	Bethany Beach Town
Unified School District	Indian River School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,595.00 (-0.37%)	$33,050 (-) Land $5,900 Building $27,150	$738,600 (-) Land $250,000 Building $488,600
2025	$1,601.00 (+15.26%)	$33,050 (-) Land $5,900 Building $27,150	$738,600 (+1,017.4%) Land $250,000 Building $488,600
2023	$1,389.00	$33,050 Land $5,900 Building $27,150	$66,100 Land $11,800 Building $54,300

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 962 Terrapin St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 17, 2025 · 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	6.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 339 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	473 units insured incl. 134 condo units
Nearby Flood Claims	27 (1987–2024)
Claims Outside the SFHA	5 of 27
Most Recent Claim	Feb 2024 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 2 claims Severe Winter Storms, High Winds, And Flooding, Feb 1998 · 6 claims Severe Coastal Storm, Jan 1992 · 3 claims

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 962 Terrapin 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 99.1% of the US · lower than 95% 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.

Drinking Water

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

Water System	BETHANY BEACH WATER DEPARTMENT serves 12,000 people · EPA ID DE0000556
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	5 ppb (2023–2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 367 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Bloosurf Fixed Wireless	100 / 20

May also be available: AT&T, Xfinity.

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