118 Opal Ln, Clayton, NC 27520 Property Records

Johnston County property record for 118 Opal Ln, Clayton, NC 27520

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,281 sqft · built 2005
Lot Size	0.52 acres (22,651 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Jun 2018)
Tax Bill	$1,994 (2026)
Deeds & Mortgages	Nov 2023 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05G04039F`

Property Details

APN / Parcel Number

Primary APN	`05G04039F`
Alternative APN	`2000210554`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,281 sqft Living Area
Gross Area	2,042 sqft
1st Floor Area	1,281 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,651 sqft (0.52 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	85 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2000210554
Street Address	118 OPAL LN
City	CLAYTON
State	NC
Zip	27520-3818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAG
Legal Description	LOT 29 CONVENTRY 65/322
Legal Subdivision	MARY ANN P WAGSTAFF SUBDIVISION
Legal Lot Number	29
Jurisdiction	JOHNSTON NC
Township / Civil Division	CLAYTON
Census Block Group	2
Census Block	2005
Census Tract	41104

Owner

Source: Johnston County records, as of September 24, 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	118 OPAL LN, CLAYTON, NC 27520-3818
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2023	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Jul 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 29, 2018	Warranty Deed, Transfer · Conventional Mortgage EVOLVE BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2018 · Amount on Record
Deed Sale	Jun 29, 2018 · Amount on Record
Prior Sale	Feb 21, 2007 · Amount on Record
Deed Document Number	2018576227
Deed Book / Page	5175 / 955
Prior Transfer Date	Oct 9, 2017
Prior Transfer Doc	0000549583
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Property Address	118 OPAL LN, CLAYTON, NC 27520-3818
Transaction Type	Mortgage
Record Updated	Nov 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035201
Date	Nov 6, 2023
Book Page	6572/803
Instrument	2023035201

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Property Address	118 OPAL LN, CLAYTON, NC 27520-3818
Transaction Type	Mortgage
Record Updated	Aug 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000759262
Date	Jul 12, 2021
Book Page	5985/924
Instrument	2021759262

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSTON NC
Recording Date	Jun 29, 2018
Property Address	118 OPAL LN, CLAYTON, NC 27520-3818
Document Number	0000576227
Book / Page	005175 / 000955
Instrument Date	Jun 26, 2018
Instrument	576227
Transaction Type	Transfer
Record Updated	Jul 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 OPAL LN CLAYTON NC 275203818, CLAYTON, NC 27520-3818

Mortgage

Document Number	576228
Date	Jun 29, 2018
Book Page	005175/000957
Instrument	576228

Lender

Name	EVOLVE BK&TR
Type	Bank
Address	MEMPHIS, TN 38119

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2048

Tax Assessment & Valuation

Source: Johnston County assessment roll, as of September 24, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,994.00 (+54.33%)	$319,040 (+93.19%) Land $85,000 Building $234,040	$319,040 (+93.19%) Land $85,000 Building $234,040
2023	$1,292.00	$165,140 Land $44,000 Building $121,140	$165,140 Land $44,000 Building $121,140

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 July 20, 2022 · 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
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

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	0.03% 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	JOHNSTON CO-WEST serves 99,027 people · EPA ID NC0351070
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2024) 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 124 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 · Fiber in parts of the area	100 / 20

May also be available: Brightspeed, Verizon.

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