Durham County property record for 314 Howard St, Durham, NC 27704
| Property Type | Other Improved |
|---|---|
| Details | 1,250 sqft · built 2023 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | Company Name on File |
| Tax Bill | $3,972 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage Dec 2022 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 0832-35-1108 |
| Primary APN | 0832-35-1108 |
|---|---|
| Alternative APN |
|
| Building Area | 1,250 sqft Heated Area |
|---|
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Lot Area | 2,614 sqft (0.06 acres) |
| Street Address | 314 HOWARD ST |
|---|---|
| City | DURHAM |
| State | NC |
| Zip | 27704-4459 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Local Zoning Code | CN |
| Legal Description | PROP-314 HOWARD STREET/LT#03 PL:000206-000121 |
| Legal Subdivision | HOWARD STREET |
| Legal Lot Number | 3 |
| Jurisdiction | DURHAM NC |
| Township / Civil Division | DURHAM |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 101 |
314 Howard St is owned by a company.
Source: Durham County records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 14161, DURHAM, NC 27709-4161 |
| Owner Type | Company |
| Vesting | Company |
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 |
|---|---|
| Dec 19, 2025 | Deed of Trust, Mortgage · Commercial Mortgage RBI PRIVATE LENDING LLC |
| Dec 28, 2022 | Deed of Trust, Mortgage · Construction Mortgage TOWNEBANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DURHAM NC |
| Property Address | 314 HOWARD ST, DURHAM, NC 27704-4459 |
| Transaction Type | Mortgage |
| Record Updated | Jan 1, 2026 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 14161, DURHAM, NC 27709-4161 |
| Document Number | 0104480276 |
|---|---|
| Date | Dec 19, 2025 |
| Book Page | 10448/276 |
| Instrument | 2025158178 |
| Name | RBI PRIVATE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33180 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DURHAM NC |
| Property Address | 314 HOWARD ST, DURHAM, NC 27704-4459 |
| Transaction Type | Mortgage |
| Record Updated | Jan 4, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0098410024 |
|---|---|
| Date | Dec 28, 2022 |
| Book Page | 9841/24 |
| Instrument | 2022047832 |
| Name | TOWNEBANK |
|---|---|
| Type | Bank |
| Address | CARY, NC 27519 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 314 Howard St was $3,972, down 0.4% 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 | $3,972.00 (-0.4%) | $390,914 (-2.85%) Land $23,522 Building $367,392 | $390,914 (-2.85%) Land $23,522 Building $367,392 |
| 2025 | $3,988.00 | $402,395 Land $23,522 Building $378,873 | $402,395 Land $23,522 Building $378,873 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 314 Howard St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
| Flood Insurance Cost | Premium on File median of 13 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 6 (2002–2018) |
| Most Recent Claim | Sep 2018 · Hurricane Florence |
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 314 Howard 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 98% of the US · lower than 99% 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.
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 239 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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