1522 Ruffin St, Durham, NC 27701 Property Records

Durham County property record for 1522 Ruffin St, Durham, NC 27701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,276 sqft · built 1983
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$144,000 (Dec 2008)
Tax Bill	$4,860 (2026)
Deeds & Mortgages	Jan 2026 Line of Credit Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0822-84-8826`

Property Details

APN / Parcel Number

Primary APN	`0822-84-8826`
Alternative APNs	`0822-84-88-2686` `082216848826` `105819`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,276 sqft Heated Area
1st Floor Area	1,276 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Street Address	1522 RUFFIN ST
City	DURHAM
State	NC
Zip	27701-1217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU-5
Legal Description	PROP-ROBERTS CONST CO/LT#05 PL:000103-000198
Legal Subdivision	PROP-ROBERTS CONST CO
Legal Lot Number	5
Jurisdiction	DURHAM NC
Township / Civil Division	DURHAM
Census Block Group	1
Census Block	1007
Census Tract	302

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	1522 RUFFIN ST, DURHAM, NC 27701-1217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Sep 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2008 · Amount on Record
Deed Sale	Dec 29, 2008 · Amount on Record
Prior Sale	Oct 19, 2007 · Amount on Record
Deed Book / Page	6114 / 324
Prior Transfer Date	Oct 18, 2007
Prior Transfer Doc	0057740095
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	1522 RUFFIN ST, DURHAM, NC 27701-1217
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1522 RUFFIN ST, DURHAM, NC 27701-1217

Mortgage

Document Number	0104650496
Date	Jan 20, 2026
Book Page	10465/496
Instrument	2026161210

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	1522 RUFFIN ST, DURHAM, NC 27701-1217
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0090820250
Date	Sep 29, 2020
Book Page	9082/250
Instrument	2020041231

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2040

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	$4,860.00 (+2.53%)	$478,212 (-) Land $288,000 Building $190,212	$478,212 (-) Land $288,000 Building $190,212
2025	$4,740.00 (+11.92%)	$478,212 (+47.89%) Land $288,000 Building $190,212	$478,212 (+47.89%) Land $288,000 Building $190,212
2023	$4,235.00 (+2.34%)	$323,352 Land $126,900 Building $196,452	$323,352 Land $126,900 Building $196,452
2022	$4,138.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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