3906 Ludgate Dr, Durham, NC 27713 Property Records

Durham County property record for 3906 Ludgate Dr, Durham, NC 27713

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,326 sqft · built 1995
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,013 (2026)
Deeds & Mortgages	Dec 2022 Line of Credit Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0820-61-8082`

Property Details

APN / Parcel Number

Primary APN	`0820-61-8082`
Alternative APNs	`0820-61-80-8271` `082019618083` `146507`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,326 sqft Heated Area
1st Floor Area	884 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Porch	Porch
Porch Area	35 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	3906 LUDGATE DR
City	DURHAM
State	NC
Zip	27713-1166
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-20
Legal Description	FORESTWOOD II/PH:02/LT#18 PL:000132-000100
Legal Subdivision	FRSTWD 02
Legal Phase	2
Legal Lot Number	18
Jurisdiction	DURHAM NC
Township / Civil Division	TRIANGLE
Census Block Group	1
Census Block	1001
Census Tract	2026

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	3906 LUDGATE DR, DURHAM, NC 27713-1166
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Feb 10, 2020	Intrafamily Transfer, Transfer · FHA Mortgage TRUIST BANK
Apr 3, 2018	Deed of Trust, Mortgage · Line of Credit SUNTRUST BK/MIDDLE GA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2020
Deed Sale	Feb 10, 2020
Deed Document Number	20205096
Deed Book / Page	8867 / 145
Prior Transfer Date	Feb 5, 2020
Prior Transfer Doc	0088670145
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	3906 LUDGATE DR, DURHAM, NC 27713-1166
Transaction Type	Mortgage
Record Updated	Dec 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0098320984
Date	Dec 12, 2022
Book Page	9832/984
Instrument	2022046318

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	DURHAM, NC 27707

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DURHAM NC
Recording Date	Feb 10, 2020
Property Address	3906 LUDGATE DR, DURHAM, NC 27713-1166
Document Number	0088670145
Book / Page	8867 / 145
Map Reference	MB 132 PG 100
Instrument Date	Feb 5, 2020
Instrument	2020005096
Transaction Type	Transfer
Record Updated	Aug 30, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3906 LUDGATE DR, DURHAM, NC 27713-1166

Mortgage

Document Number	2020005097
Date	Feb 10, 2020
Instrument	2020005097

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	3906 LUDGATE DR, DURHAM, NC 27713-1166
Document Number	0084010298
Instrument Date	Apr 3, 2018
Transaction Type	Mortgage
Record Updated	Apr 24, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3906 LUDGATE DR DURHAM NC 277131166, DURHAM, NC 27713-1166

Mortgage

Document Number	0084010298
Date	Apr 13, 2018
Book Page	008401/000298
Instrument	12035

Lender

Name	SUNTRUST BK/MIDDLE GA
Type	Bank
Address	DURHAM, NC 27701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2048

Interest

Rate Type	Adjustable Rate

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	$3,013.00 (+2.55%)	$296,468 (-) Land $120,250 Building $176,218	$296,468 (-) Land $120,250 Building $176,218
2025	$2,938.00 (+42.97%)	$296,468 (+88.91%) Land $120,250 Building $176,218	$296,468 (+88.91%) Land $120,250 Building $176,218
2023	$2,055.00 (+2.34%)	$156,940 Land $29,317 Building $127,623	$156,940 Land $29,317 Building $127,623
2022	$2,008.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 301 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
Spectrum Cable	1,000 / 50
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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