1904 Umstead Rd, Durham, NC 27712 Property Records

Durham County property record for 1904 Umstead Rd, Durham, NC 27712

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,876 sqft · built 1951
Lot Size	1.04 acres (45,302 sqft)
Owner	2 Individual Names on Record
Last Sale	$181,000 (Jun 2007)
Tax Bill	$4,170 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0814-57-1404`

Property Details

APN / Parcel Number

Primary APN	`0814-57-1404`
Alternative APNs	`0814-57-14-0492` `081402571404` `182191`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,876 sqft Heated Area
1st Floor Area	878 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Conventional
Construction Type	Wood
Roof Material	Asphalt
Lot Area	45,302 sqft (1.04 acres)
Lot Dimensions	300 ft deep x 168 ft wide
Porch	Porch
Porch Area	256 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Street Address	1904 UMSTEAD RD
City	DURHAM
State	NC
Zip	27712-2014
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	PROP-CHESSON H O JR-FREDA PL:000108-000167
Legal Subdivision	H O CHESSON JR
Jurisdiction	DURHAM NC
Township / Civil Division	LEBANON
Census Block Group	1
Census Block	1007
Census Tract	1604

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	2 Individual Names on Record
Mailing Address	1904 UMSTEAD RD, DURHAM, NC 27712-2014
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 3, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Apr 21, 2017	Loan Modification, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2007 · Amount on Record
Deed Sale	Jun 1, 2007 · Amount on Record
Deed Book / Page	5628 / 511
Last Transfer Date	Apr 25, 2014
Transfer Doc	0074790889
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	1904 UMSTEAD RD, DURHAM, NC 27712-2014
Transaction Type	Mortgage
Record Updated	May 4, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0092900367
Date	Apr 8, 2021
Book Page	9290/367
Instrument	2021017423

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	1904 UMSTEAD RD, DURHAM, NC 27712-2014
Document Number	0089220926
Instrument Date	Apr 3, 2020
Transaction Type	Mortgage
Record Updated	Jun 22, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS-RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1904 UMSTEAD RD DURHAM NC 277122014, DURHAM, NC 27712-2014

Mortgage

Document Number	0089220926
Date	Apr 28, 2020
Book Page	008922/000926
Instrument	14065

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 27, 2050

Interest

Rate Type	Adjustable Rate

April 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DURHAM NC
Property Address	1904 UMSTEAD RD, DURHAM, NC 27712-2014
Document Number	0081750709
Instrument Date	Apr 21, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1904 UMSTEAD RD DURHAM NC 277122014, DURHAM, NC 27712-2014

Mortgage

Document Number	0081750709
Date	May 3, 2017
Book Page	008175/000709
Instrument	14590

Lender

Name	SUNTRUST BK
Type	Bank
Address	DURHAM, NC 27701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 2, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Durham County assessment roll, as of September 17, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Durham County
Unified School District	Durham Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,170.00 (+3.53%)	$537,712 (-) Land $126,600 Building $411,112	$537,712 (-) Land $126,600 Building $411,112
2025	$4,028.00 (+20.78%)	$537,712 (+64.45%) Land $126,600 Building $411,112	$537,712 (+64.45%) Land $126,600 Building $411,112
2023	$3,335.00 (+10.03%)	$326,979 Land $75,825 Building $251,154	$326,979 Land $75,825 Building $251,154
2022	$3,031.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (2018–2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jun 2020 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	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	TRAPPER`S CREEK S/D private · serves 158 people · EPA ID NC0332132
Water Source	Groundwater
Last State Inspection	May 2024
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	1 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 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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