1098 Gemma Dr, Durham, NC 27703 Property Records

Durham County property record for 1098 Gemma Dr, Durham, NC 27703

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,877 sqft
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Individual Names on Record
Last Sale	$389,000 (Jul 2022)
Tax Bill	$4,223 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0840-11-1467`

Property Details

APN / Parcel Number

Primary APN	`0840-11-1467`
Alternative APNs	`0840-11-14-6742` `231089`

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 2021
Effective Year Built	Effective 2021
Architectural Style	Townhouse
Lot Area	3,920 sqft (0.09 acres)

Location & Zoning

Street Address	1098 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#110 PL:000205-000285
Legal Subdivision	ELLIS RD TWNHMS
Legal Phase	3B
Legal Lot Number	110
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 Individual Names on Record
Mailing Address	1098 GEMMA DR, DURHAM, NC 27703-6816
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2022 · Amount on Record
Deed Sale	Jul 14, 2022 · Amount on Record
Deed Document Number	202229026
Deed Book / Page	9741 / 16
Record Updated	Oct 29, 2026

July 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	DURHAM NC
Recording Date	Jul 14, 2022
Property Address	1098 GEMMA DR, DURHAM, NC 27703-6816
Document Number	0097410016
Book / Page	9741 / 16
Map Reference	MB 205 PG 343-345
Instrument Date	Jul 14, 2022
Instrument	2022029026
Transaction Type	Transfer
Record Updated	Sep 5, 2022
Title Company	LENNAR TITLE INC, LENNAR TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$778.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1098 GEMMA DR, DURHAM, NC 27703-6816

Mortgage

Document Number	2022029027
Date	Jul 14, 2022
Instrument	2022029027

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Aug 1, 2027
Change Frequency	6 Months
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	Other
Max Rate	10.1%

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	$4,223.00 (+2.52%)	$415,593 (-) Land $75,000 Building $340,593	$415,593 (-) Land $75,000 Building $340,593
2025	$4,119.00 (-8.06%)	$415,593 (+592.66%) Land $75,000 Building $340,593	$415,593 (+592.66%) Land $75,000 Building $340,593
2023	$4,480.00 (+484.09%)	$60,000 Land $60,000	$60,000 Land $60,000
2022	$767.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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.

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