Orange County property record for 109 Elm St, Carrboro, NC 27510
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,170 sqft · built 1999 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $325,000 (Jun 2016) |
| Tax Bill | $7,521 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9778-77-1486 |
| Primary APN | 9778-77-1486 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,170 sqft Living Area |
| Gross Area | 2,659 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Conventional |
| Exterior Material | Other |
| Construction Type | Frame |
| Foundation Type | Masonry |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Porch | Porch |
| Porch Area | 291 sqft |
| Deck Area | 16 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 109 ELM ST |
|---|---|
| City | CARRBORO |
| State | NC |
| Zip | 27510-1719 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R75 |
| Legal Description | 2 MARIA OWENS P82/163 |
| Jurisdiction | ORANGE NC |
| Township / Civil Division | CHAPEL HILL |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 10705 |
Source: Orange 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 | Individual Name on Record |
|---|---|
| Mailing Address | 109 ELM ST, CARRBORO, NC 27510-1719 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 8, 2016 · Amount on Record |
| Deed Sale | Jun 8, 2016 · Amount on Record |
| Prior Sale | Jun 30, 2005 · Amount on Record |
| Deed Document Number | 2016117280 |
| Deed Book / Page | 6136 / 254 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE NC |
| Property Address | 109 ELM ST, CARRBORO, NC 27510-1719 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2021 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 6715163 |
|---|---|
| Date | Apr 5, 2021 |
| Book Page | 6715/163 |
| Instrument | 30044498 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
Source: Orange County assessment roll, as of October 20, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| Municipality | Carrboro Town |
| County | Orange County |
| Unified School District | Chapel Hill-Carrboro Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,521.00 (+3.08%) | $522,300 (-) Land $340,000 Building $182,300 | $522,300 (-) Land $340,000 Building $182,300 |
| 2025 | $7,296.00 (+27.89%) | $522,300 (+56.28%) Land $340,000 Building $182,300 | $522,300 (+56.28%) Land $340,000 Building $182,300 |
| 2023 | $5,705.00 | $334,200 Land $209,000 Building $125,200 | $334,200 Land $209,000 Building $125,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 9, 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 |
| Nearby Flood Policies | 4 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.
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 | None beyond ember reach |
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 | ORANGE WATER & SEWER AUTHORITY serves 86,500 people · EPA ID NC0368010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2025 |
| Lead | Under 1 ppb (2026–2028) 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 367 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 · Fixed Wireless · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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