See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

286 Stonewater Way, Dover, DE, 19904

4beds
3baths
2,527sqft
$500,000
$198price/sqft
$3,229/moest. monthly cost
$129,160/yrincome needed

About This Home

**Assumable VA Mortgage Available ** Tucked away at the end of a quiet cul-de-sac in the sought-after Stonewater Creek community, this beautifully maintained 4 bedroom, 2.5 bath home offers just over 2,500 square feet of thoughtfully designed living space on a 0.69 acre lot backing to open space. Freshly painted and featuring hardwood floors throughout the main level, the open floor plan centers around an eat-in kitchen with a center island, Corian countertops, ample cabinetry, a stainless steel range, built-in microwave, and refrigerator. The kitchen opens to the family room with a vaulted ceiling, gas fireplace, and sliding glass doors leading to a custom paver patio overlooking the private backyard and open space beyond. The first floor also includes a home office with glass French doors, a convenient laundry room, and a split staircase providing easy access from both the foyer and kitchen. Upstairs, the primary suite features a flexible sitting area that can serve as a dressing room, home office, or reading nook, along with a walk-in closet and a private bath with a recently replaced soaking tub. Three additional bedrooms and a full hall bath complete the second floor. Significant recent updates provide peace of mind, including both furnaces and air conditioning units replaced within the last two years, a new water heater (2026), well inspection with a new pressure tank installed (2026), and the septic drain field relocated in 2019. Freshly painted and move-in ready, this home offers a wonderful combination of space, functionality, and a desirable location in Stonewater Creek.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
24
BikeSomewhat Bikeable

Schools

1/10
1/10
--
Dover High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 2005

Materials

  • Foundation: Permanent
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,527

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air,Natural Gas

Interior Area

  • Total structure area: 2,527
  • Total interior livable area: 2,527 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: ED0006603041600000
  • Zoning: AR
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 0.69 Acres
  • Lot size dimensions: 84.67 x 258.15

Parking

  • Total spaces: 4
  • Parking features: Garage Faces Side,Garage Door Opener,Inside Entrance,Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Winter Weather
Hurricane
Heat Wave
Inland Flooding
Lightning
Tsunami

FEMA Declared Disasters Across Delaware Counties

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,528$30,336
Home Insurance *$171$2,052
Property Taxes $251$3,012
Electricity $279$3,353
Total$3,229$38,748
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,708/yr
40% on housing$96,870/yr
45% on housing$86,106/yr

Delaware FAIR Plan Programs

Insurance Placement Facility of Delaware

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,170Commercial: 57
Total Premiums$607,000
Total Exposure$249.53M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 8.7%
8.7%
0%15.0%
Property Taxes Growth Rate2-year average: -0.7%
-0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$198This listing

vs Other Active Listings

Avg $/sqft

ZIP 19904$162
Kent County$162

vs Homes Sold Last Month

Median $/sqft

ZIP 19904$181
Kent County$191

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-07Pending sale$500,000
2026-07-30Listed for sale$500,000
2019-07-16Sold$315,000
2005-08-22Sold$12,600

For Sale by Agent

AgentCynthia Chubb
BrokerageRE/MAX Associates-Wilmington

Similar Homes