1302 Ruffin St, Durham, NC 27701 Property Records

Durham County property record for 1302 Ruffin St, Durham, NC 27701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 951 sqft · built 1946
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Trust Names on File
Tax Bill	$4,192 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Jan 2017 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`0822-83-7472`

Property Details

APN / Parcel Number

Primary APN	`0822-83-7472`
Alternative APNs	`0822-83-74-7264` `082216837473` `105508`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	951 sqft Heated Area
1st Floor Area	951 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	130 ft deep x 60 ft wide
Porch	Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Street Address	1302 RUFFIN ST
City	DURHAM
State	NC
Zip	27701-1649
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU-5(2)
Legal Description	SECURITY HME BLDRS/POPE/B LK:C/LT#03 PL:000015-000074
Legal Subdivision	SECURITY HME BLDRS/POPE
Legal Block	C
Legal Lot Number	3
Jurisdiction	DURHAM NC
Township / Civil Division	DURHAM
Census Block Group	2
Census Block	2001
Census Tract	302

Owner

1302 Ruffin St is owner-occupied and held in a trust since May 2017.

Source: Durham County records, as of October 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	1302 RUFFIN ST, DURHAM, NC 27701-1649
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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
Oct 3, 2025	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jan 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK
Apr 12, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 4, 2017
Transfer Doc	0086330318
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	1302 RUFFIN ST, DURHAM, NC 27701-1649
Transaction Type	Mortgage
Record Updated	Oct 13, 2025
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1302 RUFFIN ST, DURHAM, NC 27701-1649

Mortgage

Document Number	0103970699
Date	Oct 3, 2025
Book Page	10397/699
Instrument	2025149659

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	1302 RUFFIN ST, DURHAM, NC 27701-1649
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0081110790
Date	Jan 24, 2017
Book Page	8111/790
Instrument	2017002326

Lender

Name	CITIBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DURHAM NC
Recording Date	Apr 12, 2019
Property Address	1302 RUFFIN ST, DURHAM, NC 27701-1649
Document Number	0086330318
Book / Page	008633 / 000318
Instrument Date	May 4, 2017
Instrument	11650
Transaction Type	Transfer
Record Updated	Apr 23, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1302 RUFFIN ST DURHAM NC 277011649, DURHAM, NC 27701-1649

Tax Assessment & Valuation

The 2026 property tax bill for 1302 Ruffin St was $4,192, up 2.5% from the year before.

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	$4,192.00 (+2.54%)	$412,483 (-) Land $270,000 Building $142,483	$412,483 (-) Land $270,000 Building $142,483
2025	$4,088.00	$412,483 Land $270,000 Building $142,483	$412,483 Land $270,000 Building $142,483
2023	$2,911.00 (+2.36%)	$222,238 Land $96,080 Building $126,158	$222,238 Land $96,080 Building $126,158
2022	$2,844.00

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

Flood

FEMA maps place 1302 Ruffin St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	4 (1999–2018)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 claims

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 1302 Ruffin St is low, with less than 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 99.1% of the US · lower than 99.5% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
AT&T Fiber	5,000 / 5,000
Spectrum Cable	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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