704 Gerard St, Durham, NC 27701 Property Records

Durham County property record for 704 Gerard St, Durham, NC 27701

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,449 sqft · built 1920
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$85,000 (Aug 2014)
Tax Bill	$6,194 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Nov 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0821-37-8511`

Property Details

APN / Parcel Number

Primary APN	`0821-37-8511`
Alternative APNs	`0821-37-85-1128` `082106378502` `114066`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,520 sqft Heated Area
1st Floor Area	1,446 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	110 ft deep x 58 ft wide
Porch	Porch
Porch Area	210 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Street Address	704 GERARD ST
City	DURHAM
State	NC
Zip	27701-3037
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU-5(2)
Legal Description	FITZGERALD TRACT/LT#37 PL:000000-000000
Legal Subdivision	FITZGERALD TRACT
Legal Lot Number	37
Jurisdiction	DURHAM NC
Township / Civil Division	DURHAM
Census Block Group	3
Census Block	3004
Census Tract	500

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	704 GERARD ST, DURHAM, NC 27701-3037
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Nov 21, 2017	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jul 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2014 · Amount on Record
Deed Sale	Aug 8, 2014 · Amount on Record
Deed Document Number	201424135
Deed Book / Page	7545 / 905
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	704 GERARD ST, DURHAM, NC 27701-3037
Transaction Type	Mortgage
Record Updated	Dec 13, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0095480516
Date	Dec 3, 2021
Book Page	9548/516
Instrument	2021061666

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	704 GERARD ST, DURHAM, NC 27701-3037
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0083130811
Date	Nov 21, 2017
Book Page	8313/811
Instrument	2017041115

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	CHAPEL HILL, NC 27514

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	704 GERARD ST, DURHAM, NC 27701-3037
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0087160337
Date	Jul 31, 2019
Book Page	8716/337
Instrument	2019026839

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2029

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	$6,194.00 (+67.36%)	$609,473 (+63.22%) Land $228,000 Building $381,473	$609,473 (+63.22%) Land $228,000 Building $381,473
2025	$3,701.00 (+95.3%)	$373,400 (+158.06%) Land $228,000 Building $145,400	$373,400 (+158.06%) Land $228,000 Building $145,400
2023	$1,895.00 (+2.38%)	$144,697 Land $71,062 Building $73,635	$144,697 Land $71,062 Building $73,635
2022	$1,851.00

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 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

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	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 382 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

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