3 Spinnaker Ct, Durham, NC 27703 Property Records

Durham County property record for 3 Spinnaker Ct, Durham, NC 27703

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,306 sqft · built 1997
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$376,500 (Sep 2022)
Tax Bill	$4,290 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Jul 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`0851-40-7244`

Property Details

APN / Parcel Number

Primary APN	`0851-40-7244`
Alternative APNs	`0851-40-72-4401` `085103407234` `165862`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,306 sqft Heated Area
1st Floor Area	986 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	3 SPINNAKER CT
City	DURHAM
State	NC
Zip	27703-6720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDR 1.630
Legal Description	GROVE PARK/WATERS EDGE/SE C:06/LT#493 PL:000139-000090
Legal Subdivision	GROVE PRK-WATER EDG SEC 6
Legal Lot Number	493
Jurisdiction	DURHAM NC
Township / Civil Division	OAK GROVE
Census Block Group	1
Census Block	1024
Census Tract	1808

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	3 SPINNAKER CT, DURHAM, NC 27703-6720
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2022	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage CAROLINAS TELCO FCU
Nov 13, 2017	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU
Apr 12, 2018	Deed of Trust, Mortgage · Line of Credit COASTAL FEDERAL CU
Jul 14, 2020	Deed of Trust, Mortgage · Line of Credit CAROLINAS TELCO FCU
Aug 31, 2020	Deed of Trust, Mortgage · Line of Credit COASTAL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2022 · Amount on Record
Deed Sale	Sep 23, 2022 · Amount on Record
Prior Sale	Oct 2, 1997 · Amount on Record
Deed Document Number	202237908
Deed Book / Page	9787 / 937
Prior Transfer Date	Mar 16, 2001
Prior Transfer Doc	3053000223
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DURHAM NC
Recording Date	Sep 23, 2022
Property Address	3 SPINNAKER CT, DURHAM, NC 27703-6720
Document Number	0097870937
Book / Page	9787 / 937
Map Reference	MB 138 PG 59
Instrument Date	Sep 10, 2022
Instrument	2022037908
Transaction Type	Transfer
Record Updated	Oct 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$753.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 SPINNAKER CT, DURHAM, NC 27703-6720

Mortgage

Document Number	2022037909
Date	Sep 23, 2022
Instrument	2022037909

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	3 SPINNAKER CT, DURHAM, NC 27703-6720
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0090030423
Date	Jul 14, 2020
Book Page	9003/423
Instrument	2020027535

Lender

Name	CAROLINAS TELCO FCU
Type	Credit Union
Address	CHARLOTTE, NC 28208

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	3 SPINNAKER CT, DURHAM, NC 27703-6720
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0083060695
Date	Nov 13, 2017
Book Page	8306/695
Instrument	2017039770

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	6%
Index	5-Year CMT
Margin	2
Max Rate	6%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	3 SPINNAKER CT, DURHAM, NC 27703-6720
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0084000753
Date	Apr 12, 2018
Book Page	8400/753
Instrument	2018011888

Lender

Name	COASTAL FEDERAL CU
Type	Credit Union
Address	RALEIGH, NC 27609

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	3 SPINNAKER CT, DURHAM, NC 27703-6720
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0090030439
Date	Jul 14, 2020
Book Page	9003/439
Instrument	2020027536

Lender

Name	CAROLINAS TELCO FCU
Type	Credit Union
Address	CHARLOTTE, NC 28208

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 13, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	3 SPINNAKER CT, DURHAM, NC 27703-6720
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0090530897
Date	Aug 31, 2020
Book Page	9053/897
Instrument	2020036276

Lender

Name	COASTAL FCU
Type	Credit Union
Address	RALEIGH, NC 27609

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 30, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$4,290.00 (+2.53%)	$422,124 (-) Land $63,782 Building $358,342	$422,124 (-) Land $63,782 Building $358,342
2025	$4,184.00 (+29.5%)	$422,124 (+71.09%) Land $63,782 Building $358,342	$422,124 (+71.09%) Land $63,782 Building $358,342
2023	$3,231.00 (+2.34%)	$246,733 Land $46,425 Building $200,308	$246,733 Land $46,425 Building $200,308
2022	$3,157.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2022 · other causes

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 94% of the US · lower than 96% 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 256 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

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