174 Opal Ln, Clayton, NC 27520 Property Records

Johnston County property record for 174 Opal Ln, Clayton, NC 27520

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,256 sqft · built 2005
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Jul 2016)
Tax Bill	$1,898 (2026)
Deeds & Mortgages	Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05G04039C`

Property Details

APN / Parcel Number

Primary APN	`05G04039C`
Alternative APN	`2000194080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,256 sqft Living Area
Gross Area	1,766 sqft
1st Floor Area	1,256 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	320 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	70 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2000194080
Street Address	174 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 26 COVENTRY 65/322
Legal Lot Number	26
Jurisdiction	JOHNSTON NC
Township / Civil Division	CLAYTON
Census Block Group	2
Census Block	2005
Census Tract	41104

Owner

174 Opal Ln is owned and occupied by two individuals who bought it in July 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	174 OPAL LN, CLAYTON, NC 27520-3818
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2016 · Amount on File
Deed Sale	Jul 29, 2016 · Amount on File
Prior Sale	Jun 24, 2008 · Amount on File
Deed Document Number	2016497677
Deed Book / Page	4805 / 448
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Property Address	174 OPAL LN, CLAYTON, NC 27520-3818
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000641737
Date	Jan 2, 2020
Book Page	5499/0071
Instrument	2020641737

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 174 Opal Ln was $1,898.

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	$1,898.00	$303,700 Land $85,000 Building $218,700	$303,700 Land $85,000 Building $218,700
2023	$1,230.00	$157,280 Land $44,000 Building $113,280	$157,280 Land $44,000 Building $113,280

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

Flood

FEMA maps place 174 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 174 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 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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