54 E Cotton Rd, Pittsboro, NC 27312 Property Records

Chatham County property record for 54 E Cotton Rd, Pittsboro, NC 27312

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,322 sqft · built 1973
Lot Size	2.6 acres (113,604 sqft)
Owner	Individual Name on File
Tax Bill	$1,959 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Jun 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0002941`

Property Details

APN / Parcel Number

Primary APN	`0002941`
Alternative APN	`1246469`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,322 sqft Living Area
1st Floor Area	1,278 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	113,604 sqft (2.6 acres)
Garage Type	Attached
Garage Area	400 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	54 E COTTON RD
City	PITTSBORO
State	NC
Zip	27312-5012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	M3-64 AC 2.608 BK 2007 PG 462
Legal Subdivision	SOUTH BALDWIN
Legal Block	30
Jurisdiction	CHATHAM NC
Township / Civil Division	BALDWIN
Census Block Group	2
Census Block	2004
Census Tract	20802

Owner

54 E Cotton Rd is owned and occupied by an individual who acquired it in February 2023.

Source: Chatham County records, as of October 27, 2025

Owner of Record	Individual Name on File
Mailing Address	54 E COTTON RD, PITTSBORO, NC 27312-5012
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
Sep 5, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jun 15, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Dec 27, 2024	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Feb 15, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 9, 2023
Transfer Doc	002348/328
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM NC
Property Address	54 E COTTON RD, PITTSBORO, NC 27312-5012
Transaction Type	Mortgage
Record Updated	Oct 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002379/941
Date	Sep 5, 2023
Book Page	2379/941
Instrument	7843

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM NC
Property Address	54 E COTTON RD, PITTSBORO, NC 27312-5012
Transaction Type	Mortgage
Record Updated	Oct 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002367/253
Date	Jun 15, 2023
Book Page	2367/253
Instrument	5185

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM NC
Property Address	54 E COTTON RD, PITTSBORO, NC 27312-5012
Transaction Type	Mortgage
Record Updated	Oct 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002447/960
Date	Dec 27, 2024
Book Page	2447/960
Instrument	11289

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	PO BOX 25279, RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Change Frequency	Monthly

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHATHAM NC
Recording Date	Feb 15, 2023
Property Address	54 E COTTON RD, PITTSBORO, NC 27312-5012
Document Number	002348/328
Book / Page	2348 / 328
Map Reference	SL 2007-462
Instrument Date	Feb 9, 2023
Instrument	1335
Transaction Type	Transfer
Record Updated	Oct 27, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	407 KADIR WOMBLE DR, NEW HILL, NC 27562-9668

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 E COTTON RD, PITTSBORO, NC 27312-5012

Tax Assessment & Valuation

The 2025 property tax bill for 54 E Cotton Rd was $1,959, up 14.7% from the year before.

Source: Chatham County assessment roll, as of October 27, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Chatham County
Unified School District	Chatham County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,959.00 (+14.7%)	$256,727 (+28.17%) Land $135,718 Building $121,009	$256,727 (+28.17%) Land $135,718 Building $121,009
2024	$1,708.00 (+4.91%)	$200,304 (-) Land $124,371 Building $75,933	$200,304 (-) Land $124,371 Building $75,933
2023	$1,628.00	$200,304 Land $124,371 Building $75,933	$200,304 Land $124,371 Building $75,933

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

Flood

FEMA maps place 54 E Cotton Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · 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
Nearby Flood Policies	4 in force

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 54 E Cotton Rd is low, with 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CHATHAM CO-NORTH serves 23,088 people · EPA ID NC0319126
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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