1421 Ruffin St, Durham, NC 27701 Property Records

Durham County property record for 1421 Ruffin St, Durham, NC 27701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,038 sqft · built 1945
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Jun 2026)
Tax Bill	$4,480 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0822-84-5271`

Property Details

APN / Parcel Number

Primary APN	`0822-84-5271`
Alternative APNs	`0822-84-52-7144` `082216845272` `105864`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,038 sqft Heated Area
1st Floor Area	1,038 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Ranch
Construction Type	Wood
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Porch	Porch
Porch Area	54 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Street Address	1421 RUFFIN ST
City	DURHAM
State	NC
Zip	27701-1214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU-5
Legal Description	COLONIAL HM BUILDERS/LT#0 6 PL:00018B-000162
Legal Subdivision	COLONIAL HME BLDRS
Legal Lot Number	6
Jurisdiction	DURHAM NC
Township / Civil Division	DURHAM
Census Block Group	1
Census Block	1019
Census Tract	302

Owner

1421 Ruffin St is owned and occupied by two individuals who bought it in June 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	1421 RUFFIN ST, DURHAM, NC 27701-1214
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
Jun 29, 2026	Warranty Deed, Transfer · FHA Mortgage AMERICAN SECURITY MORTGAGE CORPORATION
Jan 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage MEMBERS ADVANTAGE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2026 · Amount on File
Deed Sale	Jun 29, 2026 · Amount on File
Prior Sale	Jun 15, 2001 · Amount on File
Deed Document Number	2026179262
Deed Book / Page	10576 / 159
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DURHAM NC
Recording Date	Jun 29, 2026
Property Address	1421 RUFFIN ST, DURHAM, NC 27701-1214
Document Number	0000179262
Book / Page	10576 / 159
Instrument Date	Jun 29, 2026
Instrument	2026179262
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$80,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1421 RUFFIN ST, DURHAM, NC 27701-1214

Mortgage

Document Number	0000179263,
Date	Jun 29, 2026
Instrument	2026179263

Lender

Name	AMERICAN SECURITY MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	1421 RUFFIN ST, DURHAM, NC 27701-1214
Document Number	0083510930
Book / Page	008351 / 000930
Instrument Date	Jan 11, 2018
Transaction Type	Mortgage
Record Updated	Jan 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1421 RUFFIN ST DURHAM NC 277011214, DURHAM, NC 27701-1214

Mortgage

Document Number	0083510930
Date	Jan 23, 2018
Book Page	008351/000930
Instrument	2360

Lender

Name	MEMBERS ADVANTAGE CU
Type	Credit Union
Address	PLOVER, WI 54467

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 22, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 1421 Ruffin St was $4,480, 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	$4,480.00 (+2.52%)	$440,842 (-) Land $281,250 Building $159,592	$440,842 (-) Land $281,250 Building $159,592
2025	$4,370.00	$440,842 Land $281,250 Building $159,592	$440,842 Land $281,250 Building $159,592
2023	$3,766.00 (+2.36%)	$287,504 Land $125,000 Building $162,504	$287,504 Land $125,000 Building $162,504
2022	$3,679.00

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

Flood

FEMA maps place 1421 Ruffin St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1996.

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
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	1 (1996)
Most Recent Claim	Sep 1996 · Hurricane Fran

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 1421 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 97% of the US · lower than 98.5% 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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