112 E Clay St, Whiteville, NC 28472 Property Records

Columbus County property record for 112 E Clay St, Whiteville, NC 28472

Property Summary

Property Type	Single Family Home
Details	980 sqft · built 1924
Owner	Individual Name on File
Last Sale	$165,000 (Mar 2023)
Tax Bill	$1,775 (2024)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0281.04-90-7591.000`

Property Details

APN / Parcel Number

Primary APN	`0281.04-90-7591.000`
Alternative APNs	`01-09595` `01-10147` `004455`

Interior

Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	980 sqft Total Area
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1924
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Footing
Roof Type	Gable
Roof Material	Rolled Roofing

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01-10147
Street Address	112 E CLAY ST
City	WHITEVILLE
State	NC
Zip	28472-4102
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT#20 BLK 2
Legal Block	2
Legal Lot Number	20
Jurisdiction	COLUMBUS NC
Township / Civil Division	WHITEVILLE
Census Block Group	4
Census Block	4046
Census Tract	930900

Owner

112 E Clay St is owned and occupied by an individual who bought it in March 2023.

Source: Columbus County records, as of November 28, 2025

Owner of Record	Individual Name on File
Mailing Address	112 E CLAY ST, WHITEVILLE, NC 28472-4102
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
Mar 1, 2023	Warranty Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC
Oct 11, 2021	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2023 · Amount on File
Deed Sale	Mar 1, 2023 · Amount on File
Prior Sale	Oct 11, 2021 · Amount on File
Deed Document Number	2023001006
Deed Book / Page	1313 / 120
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLUMBUS NC
Recording Date	Mar 1, 2023
Property Address	112 E CLAY ST, WHITEVILLE, NC 28472-4102
Document Number	001313/120
Book / Page	1313 / 120
Map Reference	MB 110 PG 12
Instrument Date	Feb 27, 2023
Instrument	2023001006
Transaction Type	Transfer
Record Updated	Mar 17, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4729 SHALLOTTE AVE, SHALLOTTE, NC 28470-6597

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 E CLAY ST, WHITEVILLE, NC 28472-4102

Mortgage

Document Number	0001313123
Date	Mar 1, 2023
Instrument	1313/123

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2053

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLUMBUS NC
Recording Date	Oct 11, 2021
Property Address	112 E CLAY ST, WHITEVILLE, NC 28472-4102
Document Number	001270/164
Book / Page	1270 / 164
Map Reference	MB 110 PG 12
Instrument Date	Oct 11, 2021
Instrument	2021005648
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$266.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	613 VILLAGE RD, 613, SHALLOTTE, NC 28470-4429

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 E CLAY ST, WHITEVILLE, NC 28472-4102

Mortgage

Document Number	0001270166
Date	Oct 11, 2021
Instrument	1270/166

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Nov 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Columbus County
Municipality	Whiteville City
Unified School District	Whiteville City Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025		$107,000 Land $14,300 Building $92,700
2024	$1,775.00
2023		$107,000 Land $14,300 Building $92,700

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 112 E Clay St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2003.

Source: FEMA National Flood Hazard Layer, effective December 6, 2020 · 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
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	9 (2003–2025)
Claims Outside the SFHA	7 of 9
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Florence, Sep 2018 · 3 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 112 E Clay St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.02% 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	CITY OF WHITEVILLE serves 5,426 people · EPA ID NC0424010
Water Source	Groundwater
Last State Inspection	Apr 2026
Lead	4 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	3 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 267 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Focus Broadband.

Nearby Properties on E Clay St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures