3421 Flat River Dr, Durham, NC 27703 Property Records

Durham County property record for 3421 Flat River Dr, Durham, NC 27703

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,094 sqft · built 2015
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$304,000 (Aug 2015)
Tax Bill	$6,053 (2026)
Deeds & Mortgages	Apr 2024 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0850-72-0080`

Property Details

APN / Parcel Number

Primary APN	`0850-72-0080`
Alternative APNs	`0850-72-00-8014` `216796`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,094 sqft Heated Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	3421 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#771 PL:000193-000262
Legal Subdivision	BRIGHTLFPK/TR 13B
Legal Phase	1A
Legal Tract	13
Legal Lot Number	771
Jurisdiction	DURHAM NC
Township / Civil Division	OAK GROVE
Census Block Group	4
Census Block	4008
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	3421 FLAT RIVER DR, DURHAM, NC 27703-7872
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2024	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 29, 2019	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2015 · Amount on Record
Deed Sale	Aug 28, 2015 · Amount on Record
Deed Document Number	201528728
Deed Book / Page	7775 / 260
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	3421 FLAT RIVER DR, DURHAM, NC 27703-7872
Transaction Type	Mortgage
Record Updated	May 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3421 FLAT RIVER DR, DURHAM, NC 27703-7872

Mortgage

Document Number	OPR100900947
Date	Apr 26, 2024
Book Page	OPR 10090/947
Instrument	2024094109

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	6531 IRVINE CENTER DR STE 100, IRVINE, CA 92618

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 17, 2054

Interest

Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	3421 FLAT RIVER DR, DURHAM, NC 27703-7872
Transaction Type	Mortgage
Record Updated	Jul 8, 2021
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0093810651
Date	Jun 30, 2021
Book Page	9381/651
Instrument	2021033150

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	3421 FLAT RIVER DR, DURHAM, NC 27703-7872
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0087120637
Date	Jul 29, 2019
Book Page	8712/637
Instrument	2019026216

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	6%

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	$6,053.00 (+2.52%)	$595,635 (-) Land $110,175 Building $485,460	$595,635 (-) Land $110,175 Building $485,460
2025	$5,904.00 (+28.77%)	$595,635 (+70.16%) Land $110,175 Building $485,460	$595,635 (+70.16%) Land $110,175 Building $485,460
2023	$4,585.00 (+2.34%)	$350,050 Land $70,375 Building $279,675	$350,050 Land $70,375 Building $279,675
2022	$4,480.00

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	Direct burnable vegetation

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 198 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: Frontier.

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