Johnston County property record for 128 E Ridge Cir, Clayton, NC 27520
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,040 sqft · built 1997 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $88,500 (Oct 2006) |
| Tax Bill | $2,423 (2026) |
| Deeds & Mortgages | May 2023 Mortgage Apr 2022 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05037009F |
| Primary APN | 05037009F |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| Gross Area | 1,390 sqft |
| 1st Floor Area | 1,040 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| Porch | Patio |
|---|---|
| Porch Area | 190 sqft |
| Deck Area | 160 sqft |
| Patio Area | 328 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 2000126777 |
|---|---|
| Street Address | 128 E RIDGE CIR |
| City | CLAYTON |
| State | NC |
| Zip | 27520-2049 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES |
| Legal Description | L42 EAST RIDGE EST 45/519166918- |
| Legal Subdivision | EAST RIDGE ESTATES SUBDIVISION |
| Jurisdiction | JOHNSTON NC |
| Township / Civil Division | CLAYTON |
| Census Block Group | 5 |
| Census Block | 5013 |
| Census Tract | 41001 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Clayton Historic District listed 2010 · 274 contributing resources · NRIS 10000314 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
128 E Ridge Cir is owned and occupied by an individual who bought it in October 2006.
Source: Johnston County records, as of September 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 128 E RIDGE CIR, CLAYTON, NC 27520-2049 |
| 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.
| Date | Document |
|---|---|
| May 24, 2023 | Deed of Trust, Mortgage · FHA Mortgage MORTGAGE SOLUTIONS OF COLORADO LLC |
| Apr 26, 2022 | Deed of Trust, Mortgage · FHA Mortgage ALLIED MORTGAGE GROUP INC |
| Jun 30, 2021 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAPITAL LLC |
| Oct 24, 2019 | Deed of Trust, Mortgage · Conventional with PMI RELIANCE FIRST CAP |
| Apr 4, 2019 | Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAP |
| Mar 2, 2018 | Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 12, 2006 · Amount on File |
| Deed Sale | Oct 12, 2006 · Amount on File |
| Deed Document Number | 2006148847 |
| Deed Book / Page | 3214 / 894 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSTON NC |
| Property Address | 128 E RIDGE CIR, CLAYTON, NC 27520-2049 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000016725 |
|---|---|
| Date | May 24, 2023 |
| Book Page | 6479/543 |
| Instrument | 2023016725 |
| Name | MORTGAGE SOLUTIONS OF COLORADO LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLORADO SPRINGS, CO 80920 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSTON NC |
| Property Address | 128 E RIDGE CIR, CLAYTON, NC 27520-2049 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000807361 |
|---|---|
| Date | Apr 26, 2022 |
| Book Page | 6243/578 |
| Instrument | 2022807361 |
| Name | ALLIED MORTGAGE GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | BALA CYNWYD, PA 19004 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSTON NC |
| Property Address | 128 E RIDGE CIR, CLAYTON, NC 27520-2049 |
| Transaction Type | Mortgage |
| Record Updated | Jul 9, 2021 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL AGENCY SLN |
| Name | Verified Name |
|---|
| Document Number | 0000757512 |
|---|---|
| Date | Jun 30, 2021 |
| Book Page | 5976/223 |
| Instrument | 2021757512 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSTON NC |
| Property Address | 128 E RIDGE CIR, CLAYTON, NC 27520-2049 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000730585 |
|---|---|
| Date | Jan 29, 2021 |
| Book Page | 5827/451 |
| Instrument | 2021730585 |
| Name | RELIANCE FIRST CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | MELVILLE, NY 11747 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSTON NC |
| Property Address | 128 E RIDGE CIR, CLAYTON, NC 27520-2049 |
| Document Number | 0000634366 |
| Instrument Date | Oct 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2019 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Address | 128 E RIDGE CIR CLAYTON NC 275202049, CLAYTON, NC 27520-2049 |
| Document Number | 0000634366 |
|---|---|
| Date | Nov 4, 2019 |
| Book Page | 005460/000632 |
| Instrument | 634366 |
| Name | RELIANCE FIRST CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | MELVILLE, NY 11747 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 3, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSTON NC |
| Property Address | 128 E RIDGE CIR, CLAYTON, NC 27520-2049 |
| Document Number | 0000607748 |
| Instrument Date | Apr 4, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2019 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Address | 128 E RIDGE CIR CLAYTON NC 275202049, CLAYTON, NC 27520-2049 |
| Document Number | 0000607748 |
|---|---|
| Date | Apr 10, 2019 |
| Book Page | 005325/000472 |
| Instrument | 607748 |
| Name | RELIANCE FIRST CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | MELVILLE, NC 11747 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 216 Months |
| Due | Apr 9, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSTON NC |
| Property Address | 128 E RIDGE CIR, CLAYTON, NC 27520-2049 |
| Document Number | 0000562948 |
| Instrument Date | Mar 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2018 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Address | 128 ERIDGE CIR CLAYTON NC 27520, CLAYTON, NC 27520 |
| Document Number | 0000562948 |
|---|---|
| Date | Mar 8, 2018 |
| Book Page | 005112/000251 |
| Instrument | 562948 |
| Name | RELIANCE FIRST CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | MELVILLE, NY 11747 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 7, 2038 |
The 2026 property tax bill for 128 E Ridge Cir was $2,423.
Source: Johnston County assessment roll, as of September 24, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Johnston County |
| Municipality | Clayton Town |
| Unified School District | Johnston County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,423.00 | $242,320 Land $75,000 Building $167,320 | $242,320 Land $75,000 Building $167,320 |
| 2023 | $1,557.00 | $120,740 Land $42,000 Building $78,740 | $120,740 Land $42,000 Building $78,740 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 128 E Ridge Cir 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 | 4 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 risk around 128 E Ridge Cir 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 80% of the US · lower than 76% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF CLAYTON serves 30,876 people · EPA ID NC0351020 |
|---|---|
| Water Source | Purchased surface water from JOHNSTON CO-WEST |
| Last State Inspection | May 2026 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 182 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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