2706 Saddle Dr, Durham, NC 27712 Property Records

Durham County property record for 2706 Saddle Dr, Durham, NC 27712

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,475 sqft · built 1978
Lot Size	0.76 acres (33,106 sqft)
Owner	2 Individual Names on Record
Last Sale	$191,000 (Mar 1999)
Tax Bill	$3,106 (2026)
Deeds & Mortgages	Feb 2022 Line of Credit Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0804-87-5959`

Property Details

APN / Parcel Number

Primary APN	`0804-87-5959`
Alternative APNs	`0804-87-59-5990` `080402885061` `181810`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,475 sqft Heated Area
1st Floor Area	1,371 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Asphalt
Lot Area	33,106 sqft (0.76 acres)
Lot Dimensions	230 ft deep x 135 ft wide
Porch	Porch
Porch Area	336 sqft
Patio Area	480 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	2706 SADDLE DR
City	DURHAM
State	NC
Zip	27712-1824
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	WILLOWHAVEN NORTH/BLK:D/L T#02 PL:000093-000154
Legal Subdivision	WILLOWHAVEN NORTH
Legal Block	D
Legal Lot Number	2
Jurisdiction	DURHAM NC
Township / Civil Division	LEBANON
Census Block Group	5
Census Block	5017
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	2706 SADDLE DR, DURHAM, NC 27712-1824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 1999 · Amount on Record
Deed Sale	Mar 26, 1999 · Amount on Record
Deed Book / Page	2620 / 751
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	2706 SADDLE DR, DURHAM, NC 27712-1824
Transaction Type	Mortgage
Record Updated	Apr 13, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0096210821
Date	Feb 22, 2022
Book Page	9621/821
Instrument	2022007677

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Dec 27, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	2706 SADDLE DR, DURHAM, NC 27712-1824
Document Number	0089050646
Instrument Date	Apr 7, 2020
Transaction Type	Mortgage
Record Updated	Jun 12, 2020
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2706 SADDLE DR DURHAM NC 277121824, DURHAM, NC 27712-1824

Mortgage

Document Number	0089050646
Date	Apr 9, 2020
Book Page	008905/000646
Instrument	11229

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 8, 2030

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	$3,106.00 (+3.5%)	$406,749 (-) Land $110,000 Building $296,749	$406,749 (-) Land $110,000 Building $296,749
2025	$3,001.00 (+28.36%)	$406,749 (+74.83%) Land $110,000 Building $296,749	$406,749 (+74.83%) Land $110,000 Building $296,749
2023	$2,338.00 (+4.75%)	$232,660 Land $52,770 Building $179,890	$232,660 Land $52,770 Building $179,890
2022	$2,232.00

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	6 in force

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35

May also be available: Frontier.

Cell Coverage

5G (outdoors only) and 4G LTE

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