Durham County property record for 3003 Cardinal Lake Dr, Durham, NC 27704
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,776 sqft · built 2008 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $168,000 (Jun 2008) |
| Tax Bill | $3,761 (2026) |
| Deeds & Mortgages | Sep 2017 Mortgage Feb 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 0852-43-1595 |
| Primary APN | 0852-43-1595 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,776 sqft Heated Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Conventional |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 3003 CARDINAL LAKE DR |
|---|---|
| City | DURHAM |
| State | NC |
| Zip | 27704-4978 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDR 2.980 |
| Legal Description | CARDINAL LAKE/PH:02 07 13 /LT#193 PL:000167-000340 |
| Legal Subdivision | CARDINAL LK P02-07-13 SF |
| Legal Phase | 2 |
| Legal Lot Number | 193 |
| Jurisdiction | DURHAM NC |
| Township / Civil Division | OAK GROVE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 1806 |
3003 Cardinal Lake Dr is owned and occupied by an individual who bought it in June 2008.
Source: Durham County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3003 CARDINAL LAKE DR, DURHAM, NC 27704-4978 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Sep 28, 2017 | Deed of Trust, Mortgage NORTH CAROLINA HOUSING FINANCE AGENCY |
| Feb 14, 2019 | Loan Modification, Mortgage · Conventional Mortgage HOUSING FIN AGCY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 23, 2008 · Amount on File |
| Deed Sale | Jun 23, 2008 · Amount on File |
| Deed Book / Page | 5992 / 857 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DURHAM NC |
| Property Address | 3003 CARDINAL LAKE DR, DURHAM, NC 27704-4978 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0082780106 |
|---|---|
| Date | Sep 28, 2017 |
| Book Page | 8278/106 |
| Instrument | 2017034194 |
| Name | NORTH CAROLINA HOUSING FINANCE AGENCY |
|---|---|
| Type | Government Agency |
| Address | RALEIGH, NC 27611 |
| Amount | Amount on Record |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | DURHAM NC |
| Property Address | 3003 CARDINAL LAKE DR, DURHAM, NC 27704-4978 |
| Document Number | 0086200901 |
| Instrument Date | Feb 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3003 CARDINAL LAKE DR DURHAM NC 277044978, DURHAM, NC 27704-4978 |
| Document Number | 0086200901 |
|---|---|
| Date | Mar 27, 2019 |
| Book Page | 008620/000901 |
| Instrument | 9351 |
| Name | HOUSING FIN AGCY |
|---|---|
| Address | RALEIGH, NC 27611-8066 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 3003 Cardinal Lake Dr was $3,761, 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 | $3,761.00 (+2.51%) | $370,136 (-) Land $73,750 Building $296,386 | $370,136 (-) Land $73,750 Building $296,386 |
| 2025 | $3,669.00 | $370,136 Land $73,750 Building $296,386 | $370,136 Land $73,750 Building $296,386 |
| 2023 | $2,556.00 (+2.32%) | $195,190 Land $35,280 Building $159,910 | $195,190 Land $35,280 Building $159,910 |
| 2022 | $2,498.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3003 Cardinal Lake Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1996.
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 | 9 in force |
| Nearby Flood Claims | 3 (1996–2016) |
| Most Recent Claim | Jul 2016 · river or lake flooding |
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 3003 Cardinal Lake Dr 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 | None beyond ember reach |
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 168 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 |
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: T-Mobile.
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