428 Saint John Dr, Durham, NC 27703 Property Records

Durham County property record for 428 Saint John Dr, Durham, NC 27703

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,380 sqft · built 2004
Lot Size	0.03 acres (1,307 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Apr 2017)
Tax Bill	$2,715 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0840-58-0675`

Property Details

APN / Parcel Number

Primary APN	`0840-58-0675`
Alternative APNs	`0840-58-06-7550` `084007580675` `197372`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,380 sqft Heated Area
1st Floor Area	1,380 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Townhouse
Lot Area	1,307 sqft (0.03 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	428 SAINT JOHN DR
City	DURHAM
State	NC
Zip	27703-3385
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PDR 10.000
Legal Description	AMBERLYNN VLY TWNHMS/PH:0 1A/LT#11 MODEL-CAROLINA PL:000165-000025
Legal Subdivision	AMBERLYNN VLY
Legal Phase	01
Legal Lot Number	11
Jurisdiction	DURHAM NC
Township / Civil Division	OAK GROVE
Census Block Group	3
Census Block	3001
Census Tract	1810

Owner

428 Saint John Dr, a townhouse, is owned and occupied by two individuals who bought it in April 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	428 SAINT JOHN DR, DURHAM, NC 27703-3385
Occupancy	Owner Occupied
Owner Type	Individual

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, 2026	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CREDIT UNION
Aug 31, 2021	Deed of Trust, Mortgage · FHA Mortgage BROKER SOLUTIONS INC
Apr 20, 2017	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2017 · Amount on File
Deed Sale	Apr 20, 2017 · Amount on File
Prior Sale	Sep 13, 2013 · Amount on File
Deed Document Number	201712868
Deed Book / Page	8165 / 773
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Recording Date	Jun 9, 2026
Property Address	428 SAINT JOHN DR, DURHAM, NC 27703-3385
Document Number	0000177051
Book / Page	10562 / 860
Instrument Date	Jun 5, 2026
Instrument	2026177051
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 SAINT JOHN DR, DURHAM, NC 27703-3385

Mortgage

Document Number	0000177051,
Date	Jun 9, 2026
Book Page	10562/860
Instrument	2026177051

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.37%
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	428 SAINT JOHN DR, DURHAM, NC 27703-3385
Transaction Type	Mortgage
Record Updated	Sep 9, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0094470881
Date	Aug 31, 2021
Book Page	9447/881
Instrument	2021044435

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DURHAM NC
Recording Date	Apr 20, 2017
Property Address	428 SAINT JOHN DR, DURHAM, NC 27703-3385
Document Number	0081650773
Book / Page	8165 / 773
Instrument Date	Apr 20, 2017
Instrument	2017012868
Transaction Type	Transfer
Record Updated	Aug 30, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 SAINT JOHN DR, DURHAM, NC 27703-3385

Mortgage

Document Number	0081650775
Date	Apr 20, 2017
Book Page	8165/775
Instrument	2017012869

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%

Tax Assessment & Valuation

The 2026 property tax bill for 428 Saint John Dr was $2,715, 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	$2,715.00 (+2.53%)	$267,187 (-) Land $60,000 Building $207,187	$267,187 (-) Land $60,000 Building $207,187
2025	$2,648.00	$267,187 Land $60,000 Building $207,187	$267,187 Land $60,000 Building $207,187
2023	$1,691.00 (+2.36%)	$129,117 Land $26,000 Building $103,117	$129,117 Land $26,000 Building $103,117
2022	$1,652.00

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

Flood

FEMA maps place 428 Saint John Dr in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 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

Wildfire risk around 428 Saint John Dr is low, with less than 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 99.1% of the US · lower than 99.5% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

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