4231 Bluffs Ln, Durham, NC 27712 Property Records

Durham County property record for 4231 Bluffs Ln, Durham, NC 27712

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,547 sqft · built 1990
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,282 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Oct 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`0834-08-7187`

Property Details

APN / Parcel Number

Primary APN	`0834-08-7187`
Alternative APNs	`0834-08-71-8755` `083401087188` `180262`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,547 sqft Heated Area
1st Floor Area	884 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	125 ft deep x 60 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Street Address	4231 BLUFFS LN
City	DURHAM
State	NC
Zip	27712-9560
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDR 2.770
Legal Description	BLUFFS OF THE ENO/LT#37 PL:000120-000036
Legal Subdivision	BLUFFS OF THE ENO
Legal Lot Number	37
Jurisdiction	DURHAM NC
Township / Civil Division	LEBANON
Census Block Group	4
Census Block	4010
Census Tract	1601

Owner

4231 Bluffs Ln is owned and occupied by two individuals who acquired it in October 2025.

Source: Durham County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4231 BLUFFS LN, DURHAM, NC 27712-9560
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Oct 20, 2025	Intrafamily Transfer, Transfer · Line of Credit STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 14, 2025
Transfer Doc	0104070157
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	4231 BLUFFS LN, DURHAM, NC 27712-9560
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0097140907
Date	Jun 9, 2022
Book Page	9714/907
Instrument	2022023837

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DURHAM NC
Recording Date	Oct 20, 2025
Property Address	4231 BLUFFS LN, DURHAM, NC 27712-9560
Document Number	0104070157
Book / Page	10407 / 157
Map Reference	MB 120 PG 36
Instrument Date	Oct 14, 2025
Instrument	2025151352
Transaction Type	Transfer
Record Updated	Oct 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4231 BLUFFS LN, DURHAM, NC 27712-9560

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4231 BLUFFS LN, DURHAM, NC 27712-9560

Mortgage

Document Number	2025151353
Date	Oct 20, 2025
Instrument	2025151353

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 4231 Bluffs Ln was $3,282, up 2.5% from the year before.

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	$3,282.00 (+2.53%)	$322,971 (-) Land $67,275 Building $255,696	$322,971 (-) Land $67,275 Building $255,696
2025	$3,201.00	$322,971 Land $67,275 Building $255,696	$322,971 Land $67,275 Building $255,696
2023	$1,064.00 (+2.41%)	$162,512 Land $35,040 Building $127,472	$162,512 Land $35,040 Building $127,472
2022	$1,039.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4231 Bluffs Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 18 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	17 (2018–2025)
Claims Outside the SFHA	2 of 17
Most Recent Claim	Jul 2025 · rainfall accumulation

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

Wildfire risk around 4231 Bluffs Ln is low, with a 0.01% annual chance of 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.

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 289 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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