Durham County property record for 2804 Lutz Ln, Durham, NC 27703
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,248 sqft · built 2007 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $300,000 (Jan 2026) |
| Tax Bill | $2,853 (2026) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage May 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0841-48-8951 |
| Primary APN | 0841-48-8951 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,248 sqft Heated Area |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Conventional |
| Lot Area | 9,583 sqft (0.22 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 2804 LUTZ LN |
|---|---|
| City | DURHAM |
| State | NC |
| Zip | 27703-2470 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-8 |
| Legal Description | JUNCTION ROAD/LT#05 REV PL:000177-000223 |
| Legal Subdivision | JUNCTION ROAD |
| Legal Lot Number | 5 |
| Jurisdiction | DURHAM NC |
| Township / Civil Division | OAK GROVE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 1802 |
2804 Lutz Ln is owned and occupied by an individual who bought it in January 2026.
Source: Durham County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2804 LUTZ LN, DURHAM, NC 27703-2470 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 14, 2026 | Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO |
| May 21, 2020 | Warranty Deed, Transfer · Conventional Mortgage LATINO COMMUNITY CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 14, 2026 · Amount on File |
| Deed Sale | Jan 14, 2026 · Amount on File |
| Prior Sale | May 21, 2020 · Amount on File |
| Deed Document Number | 2026160685 |
| Deed Book / Page | 10462 / 747 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DURHAM NC |
| Recording Date | Jan 14, 2026 |
| Property Address | 2804 LUTZ LN, DURHAM, NC 27703-2470 |
| Document Number | 0104620747 |
| Book / Page | 10462 / 747 |
| Map Reference | MB 165 PG 100 |
| Instrument Date | Jan 14, 2026 |
| Instrument | 2026160685 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $600.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 307 7TH ST, BUTNER, NC 27509-1707 |
| Name | Verified Name |
|---|---|
| Address | 2804 LUTZ LN, DURHAM, NC 27703-2470 |
| Document Number | 2026160686 |
|---|---|
| Date | Jan 14, 2026 |
| Instrument | 2026160686 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Number | 0104620766 |
|---|---|
| Date | Jan 14, 2026 |
| Book Page | 10462/766 |
| Instrument | 2026160687 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | COLUMBIA, SC 29211 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DURHAM NC |
| Recording Date | May 21, 2020 |
| Property Address | 2804 LUTZ LN, DURHAM, NC 27703-2470 |
| Document Number | 0089510230 |
| Book / Page | 8951 / 230 |
| Map Reference | MB 165 PG 100 |
| Instrument Date | May 1, 2020 |
| Instrument | 2020018626 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $335.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1009 JARUISKEE ROAD, 1009, DURHAM, NC 27703 |
| Name | Verified Name |
|---|---|
| Address | 2804 LUTZ LN, DURHAM, NC 27703-2470 |
| Document Number | 2020018627 |
|---|---|
| Date | May 21, 2020 |
| Instrument | 2020018627 |
| Name | LATINO COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Change Frequency | 5 Years |
| Min Rate At Change | 2% |
| Index | 5-Year CMT |
| Max Rate | 6% |
The 2026 property tax bill for 2804 Lutz Ln was $2,853, up 2.5% from the year before.
Source: Durham County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Durham County |
| Municipality | Durham City |
| Unified School District | Durham Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,853.00 (+2.52%) | $280,806 (-) Land $79,300 Building $201,506 | $280,806 (-) Land $79,300 Building $201,506 |
| 2025 | $2,783.00 | $280,806 Land $79,300 Building $201,506 | $280,806 Land $79,300 Building $201,506 |
| 2023 | $1,843.00 (+2.33%) | $140,720 Land $27,517 Building $113,203 | $140,720 Land $27,517 Building $113,203 |
| 2022 | $1,801.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 2804 Lutz Ln in Zone X, an area of minimal flood risk.
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 | 1 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 risk around 2804 Lutz Ln is low, with 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 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 177 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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