Durham County property record for 10 Loch Ness Ct, Durham, NC 27705
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,616 sqft · built 1995 |
| Lot Size | 0.74 acres (32,234 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $281,000 (Mar 2012) |
| Tax Bill | $6,534 (2026) |
| Deeds & Mortgages | May 2023 Line of Credit Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0801-43-5966 |
| Primary APN | 0801-43-5966 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,616 sqft Heated Area |
| 1st Floor Area | 1,183 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Asphalt |
| Lot Area | 32,234 sqft (0.74 acres) |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 191 sqft |
| Patio Area | 370 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 10 LOCH NESS CT |
|---|---|
| City | DURHAM |
| State | NC |
| Zip | 27705-5441 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-20 |
| Legal Description | LOCHNORA/SEC:01/PH:02/LT# 57 PL:000113-000142 |
| Legal Subdivision | LOCHNORA SEC 01 |
| Legal Phase | 2 |
| Legal Lot Number | 57 |
| Jurisdiction | DURHAM NC |
| Township / Civil Division | TRIANGLE |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 2030 |
10 Loch Ness Ct is owned and occupied by two individuals who bought it in March 2012.
Source: Durham County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10 LOCH NESS CT, DURHAM, NC 27705-5441 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 16, 2023 | Deed of Trust, Mortgage · Line of Credit THE FIDELITY BANK |
| Aug 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Oct 19, 2017 | Deed of Trust, Mortgage · Line of Credit THE FIDELITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 6, 2012 · Amount on File |
| Deed Sale | Mar 6, 2012 · Amount on File |
| Deed Document Number | 20127589 |
| Deed Book / Page | 6920 / 209 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DURHAM NC |
| Property Address | 10 LOCH NESS CT, DURHAM, NC 27705-5441 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 10 LOCH NESS CT, DURHAM, NC 27705-5441 |
| Document Number | 0099170581 |
|---|---|
| Date | May 16, 2023 |
| Book Page | 9917/581 |
| Instrument | 2023061740 |
| Name | THE FIDELITY BANK |
|---|---|
| Type | Bank |
| Address | DURHAM, NC 27707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DURHAM NC |
| Property Address | 10 LOCH NESS CT, DURHAM, NC 27705-5441 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0094440762 |
|---|---|
| Date | Aug 30, 2021 |
| Book Page | 9444/762 |
| Instrument | 2021043958 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DURHAM NC |
| Property Address | 10 LOCH NESS CT, DURHAM, NC 27705-5441 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0082920120 |
|---|---|
| Date | Oct 19, 2017 |
| Book Page | 8292/120 |
| Instrument | 2017036936 |
| Name | THE FIDELITY BANK |
|---|---|
| Type | Bank |
| Address | CHAPEL HILL, NC 27517 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 10 Loch Ness Ct was $6,534, up 2.5% from the year before.
Source: Durham County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Durham County |
| Municipality | Durham City |
| Unified School District | Durham Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,534.00 (+2.53%) | $642,926 (-) Land $195,750 Building $447,176 | $642,926 (-) Land $195,750 Building $447,176 |
| 2025 | $6,373.00 | $642,926 Land $195,750 Building $447,176 | $642,926 Land $195,750 Building $447,176 |
| 2023 | $4,904.00 (+2.34%) | $374,451 Land $87,000 Building $287,451 | $374,451 Land $87,000 Building $287,451 |
| 2022 | $4,792.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10 Loch Ness Ct in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 15 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 10 Loch Ness Ct is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF DURHAM serves 333,490 people · EPA ID NC0332010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 166 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Google Fiber Fiber | 8,000 / 8,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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