5521 Centennial Dr, Durham, NC 27712 Property Records

Durham County property record for 5521 Centennial Dr, Durham, NC 27712

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,679 sqft · built 1985
Lot Size	0.94 acres (40,946 sqft)
Owner	Individual Name on Record
Last Sale	$385,000 (Nov 2023)
Tax Bill	$2,784 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Nov 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0815-64-9480`

Property Details

APN / Parcel Number

Primary APN	`0815-64-9480`
Alternative APNs	`0815-64-94-8049` `081504649483` `185105`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,679 sqft Heated Area
1st Floor Area	952 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Asphalt
Lot Area	40,946 sqft (0.94 acres)
Lot Dimensions	299 ft deep x 136 ft wide
Porch	Porch
Porch Area	136 sqft
Patio Area	380 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	5521 CENTENNIAL DR
City	DURHAM
State	NC
Zip	27712-1237
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	WILLOW HILL/SEC:05/LT#04 PL:000098-000110
Legal Subdivision	WILLOW HILL
Legal Lot Number	4
Jurisdiction	DURHAM NC
Township / Civil Division	LEBANON
Census Block Group	6
Census Block	6000
Census Tract	1604

Owner

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	5521 CENTENNIAL DR, DURHAM, NC 27712-1237
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage BANK-FUND STAFF FCU
Nov 27, 2023	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Jun 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2023 · Amount on Record
Deed Sale	Nov 27, 2023 · Amount on Record
Prior Sale	May 9, 2007 · Amount on Record
Deed Document Number	202380615
Deed Book / Page	10019 / 287
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	5521 CENTENNIAL DR, DURHAM, NC 27712-1237
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5521 CENTENNIAL DR, DURHAM, NC 27712-1237

Mortgage

Document Number	0104640304
Date	Jan 16, 2026
Book Page	10464/304
Instrument	2026160977

Lender

Name	BANK-FUND STAFF FCU
Type	Credit Union
Address	WASHINGTON, DC 20006

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Feb 1, 2041
Change Frequency	10 Years
Max Rate At Change	9.75%
Index	10-Year TN
Margin	3
Max Rate	9.75%

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DURHAM NC
Recording Date	Nov 27, 2023
Property Address	5521 CENTENNIAL DR, DURHAM, NC 27712-1237
Document Number	0100190287
Book / Page	10019 / 287
Map Reference	MB 98 PG 110
Instrument Date	Nov 21, 2023
Instrument	2023080615
Transaction Type	Transfer
Record Updated	Dec 6, 2023
Title Company	NOT AVAILABLE, LONGLEAF TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$770.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5445 RANGE RD, ROUGEMONT, NC 27572-8358

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5521 CENTENNIAL DR, DURHAM, NC 27712-1237

Mortgage

Document Number	2023080616
Date	Nov 27, 2023
Instrument	2023080616

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	5521 CENTENNIAL DR, DURHAM, NC 27712-1237
Transaction Type	Mortgage
Record Updated	Jul 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0093770463
Date	Jun 28, 2021
Book Page	9377/463
Instrument	2021032509

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

Tax Assessment & Valuation

Source: Durham County assessment roll, as of September 17, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Durham County
Unified School District	Durham Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,784.00 (+3.69%)	$380,167 (-) Land $121,250 Building $258,917	$380,167 (-) Land $121,250 Building $258,917
2025	$2,685.00 (+31.75%)	$380,167 (+81.54%) Land $121,250 Building $258,917	$380,167 (+81.54%) Land $121,250 Building $258,917
2023	$2,038.00 (+3.82%)	$209,408 Land $48,600 Building $160,808	$209,408 Land $48,600 Building $160,808
2022	$1,963.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WILLOW HILL S/D private · serves 329 people · EPA ID NC0332119
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 56 locations within half a mile, as of December 31, 2025

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

May also be available: Frontier.

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