123 Opal Ln, Clayton, NC 27520 Property Records

Johnston County property record for 123 Opal Ln, Clayton, NC 27520

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,301 sqft · built 2004
Lot Size	0.52 acres (22,651 sqft)
Owner	Individual Name on File
Last Sale	$221,500 (Sep 2020)
Tax Bill	$1,966 (2026)
Deeds & Mortgages	Dec 2019 Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05G04038U`

Property Details

APN / Parcel Number

Primary APN	`05G04038U`
Alternative APN	`2000231754`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,301 sqft Living Area
Gross Area	2,017 sqft
1st Floor Area	1,301 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2014
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	320 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	Deck Area
Patio Area	100 sqft
Storage Building	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2000231754
Street Address	123 OPAL LN
City	CLAYTON
State	NC
Zip	27520-3819
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAG
Legal Description	LOT 5 COVENTRY 65/322
Legal Subdivision	COVENTRY SUBDIVISION
Legal Lot Number	5
Jurisdiction	JOHNSTON NC
Township / Civil Division	CLAYTON
Census Block Group	2
Census Block	2005
Census Tract	41104

Owner

123 Opal Ln is owned and occupied by an individual who bought it in September 2020.

Source: Johnston County records, as of September 24, 2026

Owner of Record	Individual Name on File
Mailing Address	123 OPAL LN, CLAYTON, NC 27520-3819
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
Dec 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 9, 2020	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2020 · Amount on File
Deed Sale	Sep 9, 2020 · Amount on File
Prior Sale	Apr 6, 2005 · Amount on File
Deed Document Number	2020677497
Deed Book / Page	5693 / 375
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Property Address	123 OPAL LN, CLAYTON, NC 27520-3819
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000640128
Date	Dec 18, 2019
Book Page	5490/0092
Instrument	2019640128

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2040

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSTON NC
Recording Date	Sep 9, 2020
Property Address	123 OPAL LN, CLAYTON, NC 27520-3819
Document Number	0000677497
Book / Page	5693 / 375
Map Reference	MB 65 PG 321&322
Instrument Date	Sep 9, 2020
Instrument	2020677497
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$443.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	142 CROWFOOT RD, 142, SNOW HILL, NC 28580-2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 OPAL LN, CLAYTON, NC 27520-3819

Mortgage

Document Number	0000677498
Date	Sep 9, 2020
Instrument	2020677498

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 123 Opal Ln was $1,966.

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	$1,966.00	$314,590 Land $85,000 Building $229,590	$314,590 Land $85,000 Building $229,590
2023	$1,322.00	$168,970 Land $44,000 Building $124,970	$168,970 Land $44,000 Building $124,970

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

Flood

FEMA maps place 123 Opal Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 123 Opal Ln is low, with a 0.03% annual chance of 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 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Brightspeed Fiber · DSL in parts of the area	940 / 940
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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