1604 James St, Durham, NC 27707 Property Records

Durham County property record for 1604 James St, Durham, NC 27707

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,188 sqft · built 1947
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$465,000 (Aug 2026)
Tax Bill	$4,909 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jan 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0821-12-7696`

Property Details

APN / Parcel Number

Primary APN	`0821-12-7696`
Alternative APNs	`0821-12-76-9694` `082113128606` `104267`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,188 sqft Heated Area
1st Floor Area	759 sqft
Basement Area	250 sqft
Unfinished Basement	250 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Ranch
Construction Type	Wood
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	216 ft deep x 62 ft wide
Porch	Porch
Porch Area	177 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Street Address	1604 JAMES ST
City	DURHAM
State	NC
Zip	27707-1516
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU-5
Legal Description	PROP-HOME SAVINGS BANK/LT #07 PL:000013-000129
Legal Subdivision	PROP-HOME SVNGS BK/PB-13
Legal Lot Number	7
Jurisdiction	DURHAM NC
Township / Civil Division	DURHAM
Census Block Group	3
Census Block	3003
Census Tract	600

Owner

1604 James St is owned and occupied by two individuals who bought it in August 2026.

Source: Durham County records, as of September 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1604 JAMES ST, DURHAM, NC 27707-1516
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Aug 7, 2026	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Jan 23, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
May 4, 2020	Warranty Deed, Transfer · Conventional Mortgage CORPORATE INVESTORS MORTGAGE GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2026 · Amount on File
Deed Sale	Aug 7, 2026 · Amount on File
Prior Sale	May 4, 2020 · Amount on File
Deed Document Number	2026183699
Deed Book / Page	10602 / 77
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DURHAM NC
Recording Date	Aug 7, 2026
Property Address	1604 JAMES ST, DURHAM, NC 27707-1516
Document Number	0000183699
Book / Page	10602 / 77
Instrument Date	Aug 3, 2026
Instrument	2026183699
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$93,930.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1604 JAMES ST, DURHAM, NC 27707-1516

Mortgage

Document Number	0000183700,
Date	Aug 7, 2026
Instrument	2026183700

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	1604 JAMES ST, DURHAM, NC 27707-1516
Transaction Type	Mortgage
Record Updated	Jan 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1604 JAMES ST, DURHAM, NC 27707-1516

Mortgage

Document Number	0098510559
Date	Jan 23, 2023
Book Page	9851/559
Instrument	2023049906

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DURHAM NC
Recording Date	May 4, 2020
Property Address	1604 JAMES ST, DURHAM, NC 27707-1516
Document Number	0089330001
Book / Page	8933 / 1
Map Reference	MB 13 PG 129
Instrument Date	May 4, 2020
Instrument	2020015711
Transaction Type	Transfer
Record Updated	Aug 30, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$530.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2807 FRIENDSHIP RD, 2807, DURHAM, NC 27705-5521

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1604 JAMES ST, SHANNON PLAZA, NC 27707-1516

Mortgage

Document Number	2020015712
Date	May 4, 2020
Instrument	2020015712

Lender

Name	CORPORATE INVESTORS MORTGAGE GROUP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1604 James St was $4,909, 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		$483,037 (-) Land $300,800 Building $182,237	$483,037 (-) Land $300,800 Building $182,237
2025	$4,909.00 (+2.53%)	$483,037 Land $300,800 Building $182,237	$483,037 Land $300,800 Building $182,237
2024	$4,788.00 (+44%)
2023	$3,325.00 (+2.34%)	$253,881 Land $51,200 Building $202,681	$253,881 Land $51,200 Building $202,681
2022	$3,249.00

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

Flood

FEMA maps place 1604 James St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1983.

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	8 in force
Nearby Flood Claims	1 (1983)
Most Recent Claim	Mar 1983 · rainfall accumulation

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 1604 James 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 94% of the US · lower than 96% 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 298 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications.

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