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109 E 40th St, Wilmington, DE, 19802

5beds
3baths
1,782sqft
$415,000
$233price/sqft
$2,759/moest. monthly cost
$110,360/yrincome needed

About This Home

Welcome to 109 East 40th. Street, this stunning 5-bedroom home with 3 full bathrooms with custom elegant marble tile showers in the all the bathrooms awaits its new owners! This unique home has been completed renovated featuring many upgrades including custom LED lighting fixtures and silk-stone countertops, stainless steel appliances. The extra-large size island and kitchen with beautiful tiled backsplash lots of countertop area is the ideal space for cooking your favorite delights. Expanded outdoor living spaces include a 8 feet x 8 feet back elevated porch with a landing and steps leading to the driveway and a private patio area off of the lower-level rear entrance. Enjoy entertaining guests and all the conveniences of a home with a practical open floor plan with solid oak hardwood flooring. The primary bedroom on the second floor has its own staircase with huge amounts of closet space and its own custom tiled private full-size bathroom. The lower level with the private outside entrance, full sized tiled luxury bathroom has the potential to be an in-law suite. This entire lower level along with the extra finishing touches are additional improvements the current owner had done by their own professional contractors who they hired. This entire home is move-in ready! Due to an exciting major life changing event, the seller is relocating to another state. There is ample off-street parking for 3 cars and the driveway that has been resurfaced with new asphalt. Nearby this property there are lots of restaurants, store for shopping, access to public transportation, and the Bellevue State Park. This home is located near the end of East 40th. Street so you won't have speeding traffic driving past your home. Enjoy privacy living with all the convinces nearby is having the best of both worlds. Schedule your private showing appointment today!

Getting Around

63
WalkingSomewhat Walkable
41
TransitSome Transit
53
BikeBikeable

Schools

9/10
Brandywine High SchoolGrades 9-122.8 mi

Construction

Condition

  • Year built: 1930

Materials

  • Foundation: Stone,Brick/Mortar
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Finished,Rear Entrance,Sump Pump,Windows,Exterior Entry,Full

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 3
  • Main level bedrooms: 5

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,782

Heating & Cooling

  • Heating features: Heat Pump,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,782
  • Total interior livable area: 1,782 sqft

Property

Accessibility

  • Accessibility features: 2+ Access Exits,Accessible Electrical and Environmental Controls

Details

  • Parcel number: 06144.00147
  • Zoning: NC5
  • Special condition: Standard
  • Exclusions: Personal Property

Features

  • Levels: Two and One Half
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 4,356 sqft
  • Lot size dimensions: 40.00 x 105.00

Parking

  • Parking features: Driveway
  • 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

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Cold Wave
Heat Wave
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 $2,098$25,176
Home Insurance *$161$1,932
Property Taxes $249$2,988
Electricity $251$3,021
Total$2,759$33,108
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$94,594/yr
40% on housing$82,770/yr
45% on housing$73,573/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: 7.0%
7.0%
0%30.0%
Electricity Growth Rate10-year average: 8.7%
8.7%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$233This listing

vs Other Active Listings

Avg $/sqft

ZIP 19802$117
New Castle County$172

vs Homes Sold Last Month

Median $/sqft

ZIP 19802$191
New Castle County$218

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)

Price History

DateEventPrice
2026-08-13Price change$399,900
2026-07-23Listed for sale$415,000
2026-02-02Sold$350,000
2025-12-06Pending sale$335,000
2025-12-02Listed for sale$335,000

For Sale by Agent

AgentDaryl Huber
BrokerageRealty Mark Cityscape

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