3851 River Stone Rd, Durham, NC 27705 Property Records

Orange County property record for 3851 River Stone Rd, Durham, NC 27705

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,954 sqft · built 2015
Lot Size	2.08 acres (90,605 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,085,000 (Mar 2026)
Tax Bill	$7,988 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Sep 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`9894-81-2653`

Property Details

APN / Parcel Number

Primary APN	`9894-81-2653`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,954 sqft Living Area
Gross Area	7,494 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Other
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Shingle
Lot Area	90,605 sqft (2.08 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	3851 RIVER STONE RD
City	DURHAM
State	NC
Zip	27705-9238
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	11 CABE CROSSING P113/145-146
Legal Subdivision	CABE CROSSING SUBDIVISION
Jurisdiction	ORANGE NC
Township / Civil Division	ENO
Census Block Group	2
Census Block	2001
Census Tract	10904

Owner

Source: Orange 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	3851 RIVER STONE RD, DURHAM, NC 27705-9238
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Sep 24, 2025	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Mar 30, 2026	Warranty Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC
Aug 11, 2020	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jun 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2026 · Amount on Record
Deed Sale	Mar 30, 2026 · Amount on Record
Prior Sale	Jul 14, 2015 · Amount on Record
Deed Document Number	202630131092
Deed Book / Page	6909 / 841
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NC
Property Address	3851 RIVER STONE RD, DURHAM, NC 27705-9238
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067281969
Date	Jun 21, 2021
Book Page	6728/1969
Instrument	30050228

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	169 Months
Due	Jul 1, 2035

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NC
Property Address	3851 RIVER STONE RD, DURHAM, NC 27705-9238
Transaction Type	Mortgage
Record Updated	Apr 24, 2026
Title Company	STEWART TITLE GURANTY, STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3851 RIVER STONE RD, DURHAM, NC 27705-9238

Mortgage

Document Number	0000689234
Date	Sep 24, 2025
Book Page	6892/34
Instrument	30123331

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	PO BOX 26592, RALEIGH, NC 27611

Agreement

Type	Line of Credit

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE NC
Recording Date	Mar 30, 2026
Property Address	3851 RIVER STONE RD, DURHAM, NC 27705-9238
Document Number	0006909841
Book / Page	6909 / 841
Map Reference	MB 113 PG 145 & 146
Instrument Date	Mar 30, 2026
Instrument	30131092
Transaction Type	Transfer
Record Updated	Apr 24, 2026
Title Company	LONE PEAK TITLE INSURANCE, LONGLEAF TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3285 WOODSON MOUNTAIN LN, CHARLOTTESVILLE, VA 22903-7613

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3851 RIVER STONE RD, DURHAM, NC 27705-9238

Mortgage

Document Number	0006909843
Date	Mar 30, 2026
Instrument	6909/843

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2031
Change Frequency	6 Months
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	Other
Max Rate	10.1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NC
Property Address	3851 RIVER STONE RD, DURHAM, NC 27705-9238
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066721970
Date	Aug 11, 2020
Book Page	6672/1970
Instrument	30027120

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NC
Property Address	3851 RIVER STONE RD, DURHAM, NC 27705-9238
Document Number	6662715
Instrument Date	Jun 5, 2020
Transaction Type	Mortgage
Record Updated	Aug 7, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3851 RIVER STONE RD DURHAM NC 277059238, DURHAM, NC 27705-9238

Mortgage

Document Number	6662715
Date	Jun 10, 2020
Book Page	006662/000715
Instrument	30022780

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 9, 2035

Tax Assessment & Valuation

Source: Orange County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Orange County
Unified School District	Orange County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,988.00 (+8.47%)	$996,200 (-) Land $340,000 Building $656,200	$996,200 (-) Land $340,000 Building $656,200
2025	$7,364.00 (+7.41%)	$996,200 (+38.73%) Land $340,000 Building $656,200	$996,200 (+38.73%) Land $340,000 Building $656,200
2023	$6,856.00	$718,100 Land $227,000 Building $491,100	$718,100 Land $227,000 Building $491,100

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 9, 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 6 (20% premium discount)
Nearby Flood Policies	2 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Frontier.

Cell Coverage

5G (outdoors only) and 4G LTE

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