402 Clay St, Durham, NC 27703 Property Records

Durham County property record for 402 Clay St, Durham, NC 27703

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,887 sqft · built 1910
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$11,600 (Jul 2008)
Tax Bill	$3,218 (2026)
Deeds & Mortgages	Dec 2022 Line of Credit Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0831-52-3211`

Property Details

APN / Parcel Number

Primary APN	`0831-52-3211`
Alternative APNs	`0831-52-32-1165` `083119523212` `112278`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,887 sqft Heated Area
1st Floor Area	1,088 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Metal
Lot Area	9,583 sqft (0.22 acres)
Porch	Porch
Porch Area	210 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Street Address	402 CLAY ST
City	DURHAM
State	NC
Zip	27703-4032
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OI
Legal Description	CHEEKLAND/LT#48 & PT ALLE Y CLOSING EAST DURHAM/HD PL:000136-000171
Legal Subdivision	CHEEKLAND
Legal Lot Number	48
Jurisdiction	DURHAM NC
Township / Civil Division	DURHAM
Census Block Group	2
Census Block	2020
Census Tract	1001

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	Individual Name on Record
Mailing Address	402 CLAY ST, DURHAM, NC 27703-4032
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2022	Deed of Trust, Mortgage · Line of Credit NORTH STATE BANK
Jul 15, 2020	Deed of Trust, Mortgage · Conventional with PMI CORPORATE INV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2008 · Amount on Record
Deed Sale	Jul 17, 2008 · Amount on Record
Deed Book / Page	6014 / 999
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	402 CLAY ST, DURHAM, NC 27703-4032
Transaction Type	Mortgage
Record Updated	Dec 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 CLAY ST, DURHAM, NC 27703-4032

Mortgage

Document Number	0098300847
Date	Dec 7, 2022
Book Page	9830/847
Instrument	2022045895

Lender

Name	NORTH STATE BANK
Type	Bank
Address	GARNER, NC 27529

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 15, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	402 CLAY ST, DURHAM, NC 27703-4032
Document Number	0090100638
Instrument Date	Jul 15, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	402 CLAY ST DURHAM NC 277034032, DURHAM, NC 27703-4032

Mortgage

Document Number	0090100638
Date	Jul 20, 2020
Book Page	009010/000638
Instrument	28740

Lender

Name	CORPORATE INV
Type	MERS
Address	CHAPEL HILL, NC 27517

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2050

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	$3,218.00 (+2.52%)	$316,655 (-) Land $130,000 Building $186,655	$316,655 (-) Land $130,000 Building $186,655
2025	$3,139.00 (+42.68%)	$316,655 (+88.51%) Land $130,000 Building $186,655	$316,655 (+88.51%) Land $130,000 Building $186,655
2023	$2,200.00 (+4.91%)	$167,975 Land $19,079 Building $148,896	$167,975 Land $19,079 Building $148,896
2022	$2,097.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.1% of the US · lower than 99.5% of North Carolina
Wildfire Likelihood	Under 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 432 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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