Durham County property record for 707 Gerard St, Durham, NC 27701
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,256 sqft · built 1925 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Company Name on Record |
| Last Sale | $265,500 (May 2022) |
| Tax Bill | $4,601 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Feb 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 0821-37-9452 |
| Primary APN | 0821-37-9452 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,256 sqft Heated Area |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Ranch |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 134 ft deep x 50 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Street Address | 707 GERARD ST |
|---|---|
| City | DURHAM |
| State | NC |
| Zip | 27701-3036 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RU-5(2) |
| Legal Description | FITZGERALD TRACT/LT#08 PL:00003A-000061 |
| Legal Subdivision | FITZGERALD TRACT |
| Legal Lot Number | 8 |
| Jurisdiction | DURHAM NC |
| Township / Civil Division | DURHAM |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 500 |
Source: Durham County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 429 PARK AVE, SALISBURY, NC 28144-4435 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Aug 12, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PRIVATE CAPITAL |
| Feb 10, 2023 | Deed of Trust, Mortgage · Line of Credit SOUTHERN FIRST BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 26, 2022 · Amount on Record |
| Deed Sale | May 26, 2022 · Amount on Record |
| Prior Sale | Oct 26, 1999 · Amount on Record |
| Deed Document Number | 202222015 |
| Deed Book / Page | 9705 / 27 |
| Prior Transfer Date | Dec 29, 2000 |
| Prior Transfer Doc | 2996000182 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DURHAM NC |
| Recording Date | Aug 12, 2026 |
| Property Address | 707 GERARD ST, DURHAM, NC 27701-3036 |
| Document Number | 0000184277 |
| Book / Page | 10605 / 544 |
| Instrument Date | Aug 12, 2026 |
| Instrument | 2026184277 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 429 PARK AVE, SALISBURY, NC 28144-4435 |
| Document Number | 0000184277, |
|---|---|
| Date | Aug 12, 2026 |
| Book Page | 10605/544 |
| Instrument | 2026184277 |
| Name | PRIVATE CAPITAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.55% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DURHAM NC |
| Property Address | 707 GERARD ST, DURHAM, NC 27701-3036 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 429 PARK AVE, SALISBURY, NC 28144-4435 |
| Document Number | 0098600867 |
|---|---|
| Date | Feb 10, 2023 |
| Book Page | 9860/867 |
| Instrument | 2023051684 |
| Name | SOUTHERN FIRST BANK NA |
|---|---|
| Type | Bank |
| Address | GREENSBORO, NC 27401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Feb 10, 2028 |
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 | $452,817 (-) Land $234,000 Building $218,817 | $452,817 (-) Land $234,000 Building $218,817 | |
| 2025 | $4,601.00 (+178.34%) | $452,817 (+258.64%) Land $234,000 Building $218,817 | $452,817 (+258.64%) Land $234,000 Building $218,817 |
| 2023 | $1,653.00 (+2.35%) | $126,259 Land $72,937 Building $53,322 | $126,259 Land $72,937 Building $53,322 |
| 2022 | $1,615.00 |
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 · 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.
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.
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 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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