The seizure came at the conclusion of a six-month long drug investigation, according to police.
It was around 1:40 a.m. when, police say, they followed Marquis Lopez, 27, from the Philadelphia International Airport down Interstate 95 into Delaware, and got off an exit into Wilmington.
Police say, at one point, Lopez spotted them and got back on I-95 and a chase ensued.
He was stopped by state troopers just north of Havey Road and Lopez, along with two other men in the car, were arrested.
Their vehicle, a blue Dodge Durango, was taken to police headquarters where police obtained a search warrant.
Inside the vehicle, investigators say they found a hidden compartment under the rear seat containing 19,500 bags of heroin with a street value of $195,000.
Police say they also found a loaded Glock. 40 caliber handgun.
The other two men arrested were identified as Keenan Wallace, 27, of Belvedere and David Flowers, 27, of Wilmington.
Lopez is being held without bail.
Wallace was sent to prison for lack of $550,000 bail.
Flowers was also sent to prison for lack of $266,000 bail.