4232 Bluffs Ln, Durham, NC 27712 Property Records

Durham County property record for 4232 Bluffs Ln, Durham, NC 27712

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,326 sqft · built 1995
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Tax Bill	$3,126 (2025)
Deeds & Mortgages	May 2026 Mortgage Feb 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0834-08-7219`

Property Details

APN / Parcel Number

Primary APN	`0834-08-7219`
Alternative APNs	`0834-08-72-1935` `083401087219` `180238`

Interior

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

Exterior

Year Built	Built 1995
Architectural Style	Cape Cod
Lot Area	6,098 sqft (0.139 acres)
Porch	Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	083401087219
Street Address	4232 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#13 PL:000120-000036
Legal Subdivision	BLUFFS OF THE ENO
Legal Block	8
Legal Lot Number	13
Jurisdiction	DURHAM NC
Township / Civil Division	LEBANON
Census Block Group	4
Census Block	4006
Census Tract	1601

Owner

Source: Durham County records, as of October 13, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4232 BLUFFS LN, DURHAM, NC 27712-9560
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Feb 27, 2024	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jan 9, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Oct 18, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 1, 1997
Deed Sale	Jan 1, 1997
Deed Document Number	0000200612
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Recording Date	May 7, 2026
Property Address	4232 BLUFFS LN, DURHAM, NC 27712-9560
Document Number	0000173119
Book / Page	10538 / 824
Instrument Date	May 1, 2026
Instrument	2026173119
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4232 BLUFFS LN, DURHAM, NC 27712-9560

Mortgage

Document Number	0000173119,
Date	May 7, 2026
Book Page	10538/824
Instrument	2026173119

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	4232 BLUFFS LN, DURHAM, NC 27712-9560
Transaction Type	Mortgage
Record Updated	Mar 8, 2024
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4232 BLUFFS LN, DURHAM, NC 27712-9560

Mortgage

Document Number	OPR100580276
Date	Feb 27, 2024
Book Page	OPR 10058/276
Instrument	2024088036

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2039

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	4232 BLUFFS LN, DURHAM, NC 27712-9560
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0098450536
Date	Jan 9, 2023
Book Page	9845/536
Instrument	2023048689

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	DURHAM, NC 27705

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	4232 BLUFFS LN, DURHAM, NC 27712-9560
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0085290906
Date	Oct 18, 2018
Book Page	8529/906
Instrument	2018036655

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	DURHAM, NC 27705

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Durham County assessment roll, as of January 1, 2025

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
2025	$3,126.00 (+49.14%)	$315,387 (+97.02%) Land $65,550 Building $249,837	$315,387 (+97.02%) Land $65,550 Building $249,837
2023	$2,096.00 (+2.34%)	$160,081 Land $34,140 Building $125,941	$160,081 Land $34,140 Building $125,941
2022	$2,048.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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