3412 Flat River Dr, Durham, NC 27703 Property Records

Durham County property record for 3412 Flat River Dr, Durham, NC 27703

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,000 sqft · built 2015
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Jul 2020)
Tax Bill	$6,133 (2026)
Deeds & Mortgages	Jun 2017 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0850-61-8864`

Property Details

APN / Parcel Number

Primary APN	`0850-61-8864`
Alternative APNs	`0850-61-88-6452` `216791`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,000 sqft Heated Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	3412 FLAT RIVER DR
City	DURHAM
State	NC
Zip	27703-7872
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDR 3.990
Legal Description	BRIGHTLEAF @ THE PARK/TR# 13B/PH:01A/LT#618 PL:000193-000262
Legal Subdivision	BRIGHTLFPK/TR 13B
Legal Phase	1A
Legal Tract	13
Legal Lot Number	618
Jurisdiction	DURHAM NC
Township / Civil Division	OAK GROVE
Census Block Group	4
Census Block	4018
Census Tract	1808

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	3412 FLAT RIVER DR, DURHAM, NC 27703-7872
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage USAA FSB
Jul 29, 2020	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2020 · Amount on Record
Deed Sale	Jul 29, 2020 · Amount on Record
Prior Sale	Jun 12, 2015 · Amount on Record
Deed Document Number	202030264
Deed Book / Page	9019 / 419
Prior Transfer Date	Jan 29, 2015
Prior Transfer Doc	0076400893
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	3412 FLAT RIVER DR, DURHAM, NC 27703-7872
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0082160632
Date	Jun 29, 2017
Book Page	8216/632
Instrument	2017022406

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DURHAM NC
Recording Date	Jul 29, 2020
Property Address	3412 FLAT RIVER DR, DURHAM, NC 27703-7872
Document Number	0090190419
Book / Page	9019 / 419
Map Reference	MB 194 PG 132-134
Instrument Date	Jul 29, 2020
Instrument	2020030264
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1011 FRISCO CT, 1011, DURHAM, NC 27703-7603

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3412 FLAT RIVER DR, DURHAM, NC 27703-7872

Mortgage

Document Number	2020030265
Date	Jul 29, 2020
Instrument	2020030265

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,133.00 (+2.52%)	$603,509 (-) Land $111,150 Building $492,359	$603,509 (-) Land $111,150 Building $492,359
2025	$5,982.00 (+30.33%)	$603,509 (+72.2%) Land $111,150 Building $492,359	$603,509 (+72.2%) Land $111,150 Building $492,359
2023	$4,590.00 (+2.34%)	$350,476 Land $71,312 Building $279,164	$350,476 Land $71,312 Building $279,164
2022	$4,485.00

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
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	13 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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 430 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Frontier.

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