Durham County property record for 523 Commonwealth St, Durham, NC 27703
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 884 sqft · built 1984 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $130,000 (Oct 2019) |
| Tax Bill | $2,562 (2026) |
| Deeds & Mortgages | Jun 2017 Mortgage Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0840-08-5412 |
| Primary APN | 0840-08-5412 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 884 sqft Heated Area |
| 1st Floor Area | 884 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Material | Asphalt |
| Lot Area | 5,227 sqft (0.12 acres) |
| Lot Dimensions | 108 ft deep x 50 ft wide |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Street Address | 523 COMMONWEALTH ST |
|---|---|
| City | DURHAM |
| State | NC |
| Zip | 27703-4427 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RU-5 |
| Legal Description | PROP-WOODS LARKIN/LT#89 PL:00005A-000005 |
| Legal Subdivision | PROP-WOODS LARKIN |
| Legal Lot Number | 89 |
| Jurisdiction | DURHAM NC |
| Township / Civil Division | OAK GROVE |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 1802 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 523 COMMONWEALTH ST, DURHAM, NC 27703-4427 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 15, 2017 | Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU |
| Oct 23, 2019 | Warranty Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 23, 2019 · Amount on Record |
| Deed Sale | Oct 23, 2019 · Amount on Record |
| Deed Document Number | 201939030 |
| Deed Book / Page | 8782 / 847 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DURHAM NC |
| Property Address | 523 COMMONWEALTH ST, DURHAM, NC 27703-4427 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0082050744 |
|---|---|
| Date | Jun 15, 2017 |
| Book Page | 8205/744 |
| Instrument | 2017020336 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 6% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 6% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DURHAM NC |
| Recording Date | Oct 23, 2019 |
| Property Address | 523 COMMONWEALTH ST, DURHAM, NC 27703-4427 |
| Document Number | 0087820847 |
| Book / Page | 8782 / 847 |
| Map Reference | MB 5 PG 5 |
| Instrument Date | Oct 23, 2019 |
| Instrument | 2019039030 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $260.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 525, HILLSBOROUGH, NC 27278-0525 |
| Name | Verified Name |
|---|---|
| Address | 523 COMMONWEALTH ST, DURHAM, NC 27703-4427 |
| Document Number | 2019039031 |
|---|---|
| Date | Oct 23, 2019 |
| Instrument | 2019039031 |
| Name | SOUTHERN TRUST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
Source: Durham County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Durham County |
| Municipality | Durham City |
| Unified School District | Durham Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,562.00 (+2.52%) | $252,181 (-) Land $78,400 Building $173,781 | $252,181 (-) Land $78,400 Building $173,781 |
| 2025 | $2,499.00 (+77.36%) | $252,181 (+134.33%) Land $78,400 Building $173,781 | $252,181 (+134.33%) Land $78,400 Building $173,781 |
| 2023 | $1,409.00 (+2.32%) | $107,620 Land $16,860 Building $90,760 | $107,620 Land $16,860 Building $90,760 |
| 2022 | $1,377.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 98.5% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 31 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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