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543 S Spinnaker Ln, Milton, DE, 19968

3beds
2baths
1,645sqft
$324,900
$198price/sqft
$2,118/moest. monthly cost
$84,720/yrincome needed

About This Home

REFRESHED & MOVE-IN READY - Discover the perfect blend of comfort, flexibility, and scenic surroundings with this 3-story end unit townhome in Shipbuilder’s Village, located within the charming and historic town of Milton, Delaware—just minutes from the Delaware beaches. This buyer-friendly home is designed to meet a variety of needs, offering 3 spacious bedrooms and 1 full plus 1 half bath, along with a versatile ground-level flex room that can easily serve as a 4th bedroom, home office, gym, or media room—ideal for today’s flexible lifestyles, remote work needs, or multi-generational living. One of the standout features is the peaceful setting—this home backs directly to open farmland, providing rare privacy and tranquil views you won’t often find in a townhome community. Enjoy outdoor living with a ground-level patio and a second-story deck, perfect for entertaining, relaxing, or taking in the natural surroundings. Buyers will appreciate the added value of an attached 1-car garage, no HOA or COA fees (a rare find in this area), and the ability to fence in the backyard—giving you more freedom, fewer restrictions, and long-term cost savings. Whether you’re searching for a primary residence, vacation home near the Delaware beaches, or an investment property, this Milton townhome offers location, flexibility, and lifestyle appeal—all in one. Schedule your showing today!

Getting Around

34
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

6/10
Mariner Middle SchoolGrades 6-81.4 mi
8/10
Cape Henlopen High SchoolGrades 9-129.4 mi

Construction

Condition

  • Year built: 2003

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Frame,Stick Built,Vinyl Siding

Notable Dates

  • Major remodel year: 2026

Other

  • Builder name: Gemcraft Homes

Type & Style

  • Home type: Townhouse
  • Architectural style: Contemporary
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Washer,Dryer,Dishwasher,Range Hood,Refrigerator,Oven/Range - Electric,Stainless Steel Appliance(s),Water Heater
  • Laundry features: Main Level,Has Laundry

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Bathroom - Tub Shower,Ceiling Fan(s),Combination Kitchen/Dining,Combination Dining/Living,Eat-in Kitchen,Pantry,Recessed Lighting
  • Flooring: Carpet,Luxury Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,645

Heating & Cooling

  • Heating features: Forced Air,Propane
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,645
  • Total interior livable area: 1,645 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 23514.00354.00
  • Zoning: TN
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Patio & porch: Deck,Patio
  • Has view: Yes
  • View description: Pasture

Lot

  • Lot size: 3,920 sqft
  • Lot size dimensions: 40.00 x 93.00

Parking

  • Total spaces: 1
  • Parking features: Garage Faces Front,Inside Entrance,Concrete,Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes

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
  • Hurricane
    HurricaneRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hurricane
Winter Weather
Drought
Inland Flooding
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 $1,642$19,704
Home Insurance *$125$1,500
Property Taxes $100$1,200
Electricity $251$3,021
Total$2,118$25,416
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$72,617/yr
40% on housing$63,540/yr
45% on housing$56,480/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: 5.6%
5.6%
0%30.0%
Electricity Growth Rate10-year average: 8.7%
8.7%
0%15.0%
Property Taxes Growth Rate2-year average: 1.2%
1.2%
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 19968$242
Sussex County$247

vs Homes Sold Last Month

Median $/sqft

ZIP 19968
Sussex County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-24Listed for sale$324,900
2004-03-02Sold$127,668

For Sale by Agent

AgentLee Ann Wilkinson
BrokerageBerkshire Hathaway HomeServices PenFed Realty

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