5521 Loyal Ave, Durham, NC 27713 Property Records

Durham County property record for 5521 Loyal Ave, Durham, NC 27713

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,472 sqft · built 1985
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on File
Last Sale	$188,000 (Sep 2017)
Tax Bill	$3,396 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0739-00-6329`

Property Details

APN / Parcel Number

Primary APN	`0739-00-6329`
Alternative APNs	`0739-00-63-2912` `073903006328` `155180`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,472 sqft Heated Area
1st Floor Area	736 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)
Lot Dimensions	131 ft deep x 97 ft wide
Porch	Porch
Porch Area	30 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Street Address	5521 LOYAL AVE
City	DURHAM
State	NC
Zip	27713-2034
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-10
Legal Description	PENRITH/SEC:01/PH:03/BLK: A/LT#57 PL:000104-000029
Legal Subdivision	PENRITH SEC 1
Legal Phase	3
Legal Block	A
Legal Lot Number	57
Jurisdiction	DURHAM NC
Township / Civil Division	TRIANGLE
Census Block Group	2
Census Block	2004
Census Tract	2025

Owner

5521 Loyal Ave is owned and occupied by an individual who bought it in September 2017.

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

Owner of Record	Individual Name on File
Mailing Address	5521 LOYAL AVE, DURHAM, NC 27713-2034
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 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Sep 6, 2017	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2017 · Amount on File
Deed Sale	Sep 6, 2017 · Amount on File
Prior Sale	Jul 14, 2015 · Amount on File
Deed Document Number	201731369
Deed Book / Page	8263 / 868
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DURHAM NC
Property Address	5521 LOYAL AVE, DURHAM, NC 27713-2034
Transaction Type	Mortgage
Record Updated	Jul 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0097250861
Date	Jun 24, 2022
Book Page	9725/861
Instrument	2022025997

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

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DURHAM NC
Recording Date	Sep 6, 2017
Property Address	5521 LOYAL AVE, DURHAM, NC 27713-2034
Document Number	0082630868
Book / Page	8263 / 868
Map Reference	MB 104 PG 29
Instrument Date	Sep 6, 2017
Instrument	2017031369
Transaction Type	Transfer
Record Updated	Aug 30, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$376.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 WINNEBAGO LOOP, 5, LOUISBURG, NC 27549

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5521 LOYAL AVE, DURHAM, NC 27713-2034

Mortgage

Document Number	2017031370
Date	Sep 6, 2017
Instrument	2017031370

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	6%
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

The 2026 property tax bill for 5521 Loyal Ave was $3,396, 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	$3,396.00 (+2.54%)	$334,201 (-) Land $101,655 Building $232,546	$334,201 (-) Land $101,655 Building $232,546
2025	$3,312.00	$334,201 Land $101,655 Building $232,546	$334,201 Land $101,655 Building $232,546
2023	$2,305.00 (+2.35%)	$175,983 Land $50,662 Building $125,321	$175,983 Land $50,662 Building $125,321
2022	$2,252.00

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

Flood

FEMA maps place 5521 Loyal Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2024.

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	6 in force
Nearby Flood Claims	2 (2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 claims

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 5521 Loyal Ave 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 94% of the US · lower than 96% 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 256 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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