3921 River Stone Rd, Durham, NC 27705 Property Records

Orange County property record for 3921 River Stone Rd, Durham, NC 27705

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,370 sqft · built 2018
Lot Size	2.05 acres (89,298 sqft)
Owner	2 Individual Names on Record
Last Sale	$774,000 (Jan 2019)
Tax Bill	$8,775 (2026)
Deeds & Mortgages	Mar 2026 Line of Credit May 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`9894-71-9205`

Property Details

APN / Parcel Number

Primary APN	`9894-71-9205`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,370 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2021
Lot Area	89,298 sqft (2.05 acres)

Location & Zoning

Street Address	3921 RIVER STONE RD
City	DURHAM
State	NC
Zip	27705-9279
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	13 CABE CROSSING P113/145-146
Legal Subdivision	CABE CROSSING SUB
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	3921 RIVER STONE RD, DURHAM, NC 27705-9279
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
May 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Aug 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jan 31, 2019	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU
Jul 10, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2019 · Amount on Record
Deed Sale	Jan 31, 2019 · Amount on Record
Prior Sale	Jul 10, 2018 · Amount on Record
Deed Document Number	201918110
Deed Book / Page	6572 / 523
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NC
Property Address	3921 RIVER STONE RD, DURHAM, NC 27705-9279
Transaction Type	Mortgage
Record Updated	Apr 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069081175
Date	Mar 24, 2026
Book Page	6908/1175
Instrument	30130741

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	PO BOX 25279, RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NC
Property Address	3921 RIVER STONE RD, DURHAM, NC 27705-9279
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006658858
Date	May 15, 2020
Book Page	6658/858
Instrument	30021130

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Change Frequency	5 Years
Min Rate At Change	3.75%
Index	5-Year CMT
Max Rate	6%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NC
Property Address	3921 RIVER STONE RD, DURHAM, NC 27705-9279
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006740688
Date	Aug 19, 2021
Book Page	6740/688
Instrument	30055056

Lender

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

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.95%
Type Change Date	Sep 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	4.95%
Margin	2
Max Rate	8.95%

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE NC
Recording Date	Jan 31, 2019
Property Address	3921 RIVER STONE RD, DURHAM, NC 27705-9279
Document Number	0006572523
Book / Page	6572 / 523
Map Reference	MB 113 PG 145&146
Instrument Date	Jan 29, 2019
Instrument	20190131000018110
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,548.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7701 SIX FORKS RD # RD132, 7701, RALEIGH, NC 27615-5050

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3921 RIVER STONE RD, DURHAM, NC 27705-9279

Mortgage

Document Number	20190131000018120
Date	Jan 31, 2019
Instrument	20190131000018120

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Change Frequency	5 Years
Min Rate At Change	3.75%
Index	5-Year CMT
Max Rate	6%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE NC
Recording Date	Jul 10, 2018
Property Address	3921 RIVER STONE RD, DURHAM, NC 27705-9279
Document Number	6491504
Book / Page	006491 / 000504
Instrument Date	Jun 28, 2018
Instrument	129230
Transaction Type	Transfer
Record Updated	Jul 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$450.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	211 GRANDVIEW DR FORT MITCHELL KY 410172759, FORT MITCHELL, KY 41017-2759
Investor	Possibly a Property Investor

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	$8,775.00 (+8.48%)	$1,096,200 (-) Land $340,000 Building $756,200	$1,096,200 (-) Land $340,000 Building $756,200
2025	$8,089.00 (+9.36%)	$1,096,200 (+41.28%) Land $340,000 Building $756,200	$1,096,200 (+41.28%) Land $340,000 Building $756,200
2023	$7,397.00	$775,900 Land $227,000 Building $548,900	$775,900 Land $227,000 Building $548,900

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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