18 Clearwater Dr, Durham, NC 27707 Property Records

Durham County property record for 18 Clearwater Dr, Durham, NC 27707

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,846 sqft · built 1985
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on File
Last Sale	$760,000 (Jul 2025)
Tax Bill	$7,078 (2026)
Deeds & Mortgages	Nov 2022 Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0709-96-7312`

Property Details

APN / Parcel Number

Primary APN	`0709-96-7312`
Alternative APNs	`0709-96-73-1268` `070902967303` `136255`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,846 sqft Heated Area
1st Floor Area	1,430 sqft
Basement Area	336 sqft
Unfinished Basement	336 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Material	Asphalt
Lot Area	20,909 sqft (0.48 acres)
Lot Dimensions	266 ft deep x 88 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces
Patio Area	156 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Street Address	18 CLEARWATER DR
City	DURHAM
State	NC
Zip	27707-5365
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-20
Legal Description	BENT CREEK/SEC:03/LT#29 PL:000106-000172
Legal Subdivision	BENT CREEK
Legal Lot Number	29
Jurisdiction	DURHAM NC
Township / Civil Division	TRIANGLE
Census Block Group	2
Census Block	2005
Census Tract	2034

Owner

18 Clearwater Dr is owned and occupied by two individuals who bought it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	18 CLEARWATER DR, DURHAM, NC 27707-5365
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO
Jun 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Dec 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage CORPORATE INVESTORS MORTGAGE GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2025 · Amount on File
Deed Sale	Jul 30, 2025 · Amount on File
Prior Sale	May 4, 2012 · Amount on File
Deed Document Number	2025142249
Deed Book / Page	10356 / 169
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	18 CLEARWATER DR, DURHAM, NC 27707-5365
Transaction Type	Mortgage
Record Updated	Dec 7, 2022
Title Company	STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 CLEARWATER DR, SHANNON PLAZA, NC 27707-5365

Mortgage

Document Number	0098260673
Date	Nov 29, 2022
Book Page	9826/673
Instrument	2022045095

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	26592

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	18 CLEARWATER DR, DURHAM, NC 27707-5365
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0086820731
Date	Jun 18, 2019
Book Page	8682/731
Instrument	2019020672

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	May 25, 2049

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	18 CLEARWATER DR, DURHAM, NC 27707-5365
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0091660690
Date	Dec 14, 2020
Book Page	9166/690
Instrument	2020055159

Lender

Name	CORPORATE INVESTORS MORTGAGE GROUP INC
Type	Mortgage Company
Address	CHAPEL HILL, NC 27517

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 18 Clearwater Dr was $7,078, up 2.5% from the year before.

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	$7,078.00 (+2.52%)	$696,478 (-) Land $240,500 Building $455,978	$696,478 (-) Land $240,500 Building $455,978
2025	$6,904.00	$696,478 Land $240,500 Building $455,978	$696,478 Land $240,500 Building $455,978
2023	$5,372.00 (+2.34%)	$410,165 Land $73,800 Building $336,365	$410,165 Land $73,800 Building $336,365
2022	$5,249.00

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

Flood

FEMA maps place 18 Clearwater Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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 10 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2018 · Hurricane Florence

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

Wildfire risk around 18 Clearwater Dr is low, with less than 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 95% of the US · lower than 97.4% of North Carolina
Wildfire Likelihood	Under 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.

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 189 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

Cell Coverage

5G (outdoors only) and 4G LTE

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