Durham County property record for 406 Cottage Ln, Durham, NC 27713
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,439 sqft · built 1986 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $410,000 (Jul 2023) |
| Tax Bill | $3,972 (2026) |
| Deeds & Mortgages | Aug 2021 Mortgage Jul 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0718-56-3832 |
| Primary APN | 0718-56-3832 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,439 sqft Heated Area |
| 1st Floor Area | 1,421 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Asphalt |
| Lot Area | 3,920 sqft (0.09 acres) |
| Lot Dimensions | 76 ft deep x 53 ft wide |
| Garage Type | Carport |
| Garage Area | 462 sqft |
| Carport | Carport |
| Carport Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Street Address | 406 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#18 TYPE-01/BN/FY/GN PL:000112-000104 |
| Legal Subdivision | SPRGHL/WHITNEY PRK |
| Legal Lot Number | 18 |
| 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 | 406 COTTAGE LN, DURHAM, NC 27713-9387 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Jul 19, 2023 | Warranty Deed, Transfer · Conventional Mortgage CORPORATE INVESTORS MORTGAGE GROUP |
| Mar 8, 2019 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 19, 2023 · Amount on Record |
| Deed Sale | Jul 19, 2023 · Amount on Record |
| Prior Sale | Mar 8, 2019 · Amount on Record |
| Deed Document Number | 202368397 |
| Deed Book / Page | 9953 / 954 |
| Prior Transfer Date | Dec 1, 2008 |
| Prior Transfer Doc | 6136000681 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DURHAM NC |
| Property Address | 406 COTTAGE LN, DURHAM, NC 27713-9387 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2025 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|
| Document Number | 0094410801 |
|---|---|
| Date | Aug 26, 2021 |
| Book Page | 9441/801 |
| Instrument | 2021043523 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.37% |
| Type Change Date | Sep 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.37% |
| Index | Other |
| Max Rate | 7.37% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DURHAM NC |
| Recording Date | Jul 19, 2023 |
| Property Address | 406 COTTAGE LN, DURHAM, NC 27713-9387 |
| Document Number | 0099530954 |
| Book / Page | 9953 / 954 |
| Map Reference | MB 112 PG 104 |
| Instrument Date | Jul 12, 2023 |
| Instrument | 2023068397 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $820.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 406 COTTAGE LN, DURHAM, NC 27713-9387 |
| Document Number | 2023068398 |
|---|---|
| Date | Jul 19, 2023 |
| Instrument | 2023068398 |
| Name | CORPORATE INVESTORS MORTGAGE GROUP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DURHAM NC |
| Recording Date | Mar 8, 2019 |
| Property Address | 406 COTTAGE LN, DURHAM, NC 27713-9387 |
| Document Number | 0086090172 |
| Book / Page | 008609 / 000172 |
| Instrument Date | Feb 28, 2019 |
| Instrument | 7139 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $460.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 406 COTTAGE LN DURHAM NC 277139387, DURHAM, NC 27713-9387 |
| Document Number | 86090174 |
|---|---|
| Date | Mar 8, 2019 |
| Book Page | 008609/000174 |
| Instrument | 7140 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 7, 2049 |
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 | $3,972.00 (+2.53%) | $390,841 (-) Land $100,000 Building $290,841 | $390,841 (-) Land $100,000 Building $290,841 |
| 2025 | $3,874.00 (+45.53%) | $390,841 (+92.32%) Land $100,000 Building $290,841 | $390,841 (+92.32%) Land $100,000 Building $290,841 |
| 2023 | $2,662.00 (+2.35%) | $203,229 (-) Land $60,000 Building $143,229 | $203,229 (-) Land $60,000 Building $143,229 |
| 2022 | $2,601.00 | $203,229 Land $60,000 Building $143,229 | $203,229 Land $60,000 Building $143,229 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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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