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40 S Bradford St, Dover, DE, 19904

5beds
4baths
2,177sqft
$400,000
$184price/sqft
$2,600/moest. monthly cost
$104,000/yrincome needed

About This Home

40 South Bradford is a duplex, over and under, with a 2-BR, 2-Ba unit on the ground floor, and a 3-BR, 2-Ba unit on the second and third floors. Both units have fully equipped kitchens, and washers and dryers. The building was completely remodeled in 2009, and is excellent condition. There are two parking spaces on the rear alley. This property is the south half of a duplex, and contains two units. The north half of the duplex is under separate ownership and unrelated. Showings by appointment. Call for appointment.

Getting Around

79
WalkingVery Walkable
42
TransitSome Transit
56
BikeBikeable

Schools

--
Central Middle SchoolGrades 7-80.4 mi
--
Dover High SchoolGrades 9-122.5 mi

Construction

Condition

  • Property condition: Excellent
  • Year built: 1880

Materials

  • Foundation: Brick/Mortar
  • Construction materials: Brick

Notable Dates

  • Major remodel year: 2003

Type & Style

  • Home type: MultiFamily
  • Architectural style: Traditional
  • Property subType: Duplex

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Dryer In Unit,Washer In Unit

Basement

  • Area: 970

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4

Features

  • Dry Wall
  • Flooring: Carpet,Ceramic Tile,Laminate

Heating & Cooling

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

Interior Area

  • Total structure area: 3,147
  • Total interior livable area: 2,177 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: ED0507705037000000
  • Zoning: RG1
  • Zoning description: Residential, conforming
  • Special condition: Standard

Features

  • Pool features: None
  • Has view: Yes
  • View description: Street
  • Frontage length: Road Frontage: 27

Lot

  • Lot size: 3,441 sqft
  • Features: Downtown
  • Lot size dimensions: 27.30 x 145.12

Parking

  • Total spaces: 2
  • Parking features: Surface,Driveway
  • 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
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Winter Weather
Hurricane
Strong Wind
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 $2,022$24,264
Home Insurance *$137$1,644
Property Taxes $190$2,280
Electricity $251$3,021
Total$2,600$31,200
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$89,142/yr
40% on housing$78,000/yr
45% on housing$69,333/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

$184This 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)

Price History

DateEventPrice
2025-09-21Listed for sale$400,000
2007-12-04Sold$90,000

For Sale by Agent

AgentPhil McGinnis
BrokerageMcGinnis Commercial Real Estate

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