Durham County property record for 402 Cottage Ln, Durham, NC 27713
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,847 sqft · built 1986 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $290,000 (Apr 2021) |
| Tax Bill | $4,161 (2026) |
| Deeds & Mortgages | Sep 2022 Line of Credit Apr 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0718-56-4918 |
| Primary APN | 0718-56-4918 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,847 sqft Heated Area |
| 1st Floor Area | 1,691 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Asphalt |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 82 ft deep x 48 ft wide |
| Garage Type | Carport |
| Garage Area | 484 sqft |
| Carport | Carport |
| Carport Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Street Address | 402 COTTAGE LN |
|---|---|
| City | DURHAM |
| State | NC |
| Zip | 27713-9387 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDR 9.400 |
| Legal Description | SPRGHIL/WHITNEY PRK TWNHM S/LT#14 TYPE-06/BN/FY/GN PL:000112-000100 |
| Legal Subdivision | SPRGHL/WHITNEY PRK |
| Legal Lot Number | 14 |
| Jurisdiction | DURHAM NC |
| Township / Civil Division | TRIANGLE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 2021 |
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 COTTAGE LN, DURHAM, NC 27713-9387 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 13, 2022 | Deed of Trust, Mortgage · Line of Credit COASTAL FCU |
| Apr 15, 2021 | Warranty Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC |
| Aug 10, 2018 | Warranty Deed, Transfer · ARM STATE EMPLOYEES CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 15, 2021 · Amount on Record |
| Deed Sale | Apr 15, 2021 · Amount on Record |
| Prior Sale | Aug 10, 2018 · Amount on Record |
| Deed Document Number | 202118854 |
| Deed Book / Page | 9298 / 435 |
| Prior Transfer Date | Jul 7, 2000 |
| Prior Transfer Doc | 2900000240 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DURHAM NC |
| Property Address | 402 COTTAGE LN, DURHAM, NC 27713-9387 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0097800274 |
|---|---|
| Date | Sep 13, 2022 |
| Book Page | 9780/274 |
| Instrument | 2022036499 |
| Name | COASTAL FCU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27609 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 12, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DURHAM NC |
| Recording Date | Apr 15, 2021 |
| Property Address | 402 COTTAGE LN, DURHAM, NC 27713-9387 |
| Document Number | 0092980435 |
| Book / Page | 9298 / 435 |
| Map Reference | MB 112 PG 100-105 |
| Instrument Date | Apr 7, 2021 |
| Instrument | 2021018854 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $580.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1100 JUDARO LN, 1100, DURHAM, NC 27713-1995 |
| Name | Verified Name |
|---|---|
| Address | 402 COTTAGE LN, DURHAM, NC 27713-9387 |
| Document Number | 2021018855 |
|---|---|
| Date | Apr 15, 2021 |
| Instrument | 2021018855 |
| Name | SOUTHERN TRUST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DURHAM NC |
| Recording Date | Aug 10, 2018 |
| Property Address | 402 COTTAGE LN, DURHAM, NC 27713-9387 |
| Document Number | 0084860263 |
| Book / Page | 8486 / 263 |
| Map Reference | MB112 PG100 |
| Instrument Date | Aug 10, 2018 |
| Instrument | 2018028182 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $420.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 342 S BALSAM ST, 342, LAKEWOOD, CO 80226-3033 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 402 COTTAGE LN, DURHAM, NC 27713-9387 |
| Document Number | 2018028183 |
|---|---|
| Date | Aug 10, 2018 |
| Instrument | 2018028183 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | 5 Years |
| Min Rate At Change | 2% |
| Max Rate At Change | 6% |
| Index | 5-Year CMT |
| Max Rate | 6% |
Source: Durham County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Durham County |
| Municipality | Durham City |
| Unified School District | Durham Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,161.00 (+2.54%) | $409,456 (-) Land $100,000 Building $309,456 | $409,456 (-) Land $100,000 Building $309,456 |
| 2025 | $4,058.00 (+40.12%) | $409,456 (+85.2%) Land $100,000 Building $309,456 | $409,456 (+85.2%) Land $100,000 Building $309,456 |
| 2023 | $2,896.00 (+2.37%) | $221,087 Land $60,000 Building $161,087 | $221,087 Land $60,000 Building $161,087 |
| 2022 | $2,829.00 |
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 95% 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.
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 |
| 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 212 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 · 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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