1038 Gemma Dr, Durham, NC 27703 Property Records

Durham County property record for 1038 Gemma Dr, Durham, NC 27703

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,877 sqft · built 2022
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Company Names on Record
Last Sale	$425,000 (Oct 2022)
Tax Bill	$4,166 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0840-01-9141`

Property Details

APN / Parcel Number

Primary APN	`0840-01-9141`
Alternative APNs	`0840-01-91-4193` `231074`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,877 sqft Heated Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Townhouse
Lot Area	4,356 sqft (0.1 acres)

Location & Zoning

Street Address	1038 GEMMA DR
City	DURHAM
State	NC
Zip	27703-6816
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PDR 3.575
Legal Description	ELLIS ROAD TWNHMS/PHASE 3B/LT#095 PL:000205-000285
Legal Subdivision	ELLIS RD TWNHMS
Legal Phase	3B
Legal Lot Number	95
Jurisdiction	DURHAM NC
Township / Civil Division	OAK GROVE
Census Block Group	2
Census Block	2003
Census Tract	1809

Owner

Source: Durham County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	2838 LEMNOS DR, APEX, NC 27502-4401
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2022 · Amount on Record
Deed Sale	Oct 24, 2022 · Amount on Record
Deed Document Number	202241330
Deed Book / Page	9806 / 350
Last Transfer Date	May 14, 2025
Transfer Doc	0103090408
Record Updated	Oct 29, 2026

October 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	DURHAM NC
Recording Date	Oct 24, 2022
Property Address	1038 GEMMA DR, DURHAM, NC 27703-6816
Document Number	0098060350
Book / Page	9806 / 350
Map Reference	MB 205 PG 285-289
Instrument Date	Oct 24, 2022
Instrument	2022041330
Transaction Type	Transfer
Record Updated	Oct 31, 2023
Title Company	LENNAR TITLE INC, LENNAR TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1100 PERIMETER PARK DR # DR112, DR112, MORRISVILLE, NC 27560-0180

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2838 LEMNOS DR, APEX, NC 27502-4401

Mortgage

Document Number	2022041331
Date	Oct 24, 2022
Instrument	2022041331

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Nov 1, 2027
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	6.25%
Index	5-Year CMT
Max Rate	10.2%

Tax Assessment & Valuation

Source: Durham County assessment roll, as of September 17, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Durham County
Municipality	Durham City
Unified School District	Durham Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,166.00 (+2.54%)	$409,934 (-) Land $75,000 Building $334,934	$409,934 (-) Land $75,000 Building $334,934
2025	$4,063.00 (-8.2%)	$409,934 (+21.3%) Land $75,000 Building $334,934	$409,934 (+21.3%) Land $75,000 Building $334,934
2023	$4,426.00 (+477.05%)	$337,958 Land $60,000 Building $277,958	$337,958 Land $60,000 Building $277,958
2022	$767.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 242 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

Nearby Properties on Gemma Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures