313 James Pl, Clayton, NC 27520 Property Records

Johnston County property record for 313 James Pl, Clayton, NC 27520

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,374 sqft · built 1995
Lot Size	1.13 acres (49,223 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Mar 2025)
Tax Bill	$1,790 (2026)
Deeds & Mortgages	Nov 2023 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06F03032J`

Property Details

APN / Parcel Number

Primary APN	`06F03032J`
Alternative APNs	`2000203036` `2000288696`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,374 sqft Living Area
Gross Area	1,628 sqft
1st Floor Area	1,374 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	49,223 sqft (1.13 acres)

Exterior Amenities

Porch	Slab
Porch Area	110 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2000288696
Street Address	313 JAMES PL
City	CLAYTON
State	NC
Zip	27520-7785
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAG
Legal Description	LOT 41 SOUTH LANDING PH 3 45/145
Legal Subdivision	SOUTH LANDING SUBDIVISION
Legal Phase	3
Legal Lot Number	41
Jurisdiction	JOHNSTON NC
Township / Civil Division	CLEVELAND
Census Block Group	2
Census Block	2001
Census Tract	41107

Owner

313 James Pl is owned and occupied by two individuals who bought it in March 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	313 JAMES PL, CLAYTON, NC 27520-7785
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Nov 28, 2023	Deed of Trust, Mortgage · FHA Mortgage TOP FLITE FINANCIAL INC
Aug 14, 2017	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2025 · Amount on File
Deed Sale	Mar 17, 2025 · Amount on File
Prior Sale	Aug 14, 2017 · Amount on File
Deed Document Number	20257486
Deed Book / Page	6843 / 620
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Property Address	313 JAMES PL, CLAYTON, NC 27520-7785
Transaction Type	Mortgage
Record Updated	Dec 8, 2023
Title Company	NC TITLE COMPANY, NETCO

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000037233
Date	Nov 28, 2023
Book Page	6582/117
Instrument	2023037233

Lender

Name	TOP FLITE FINANCIAL INC
Type	Mortgage Company
Address	WILLIAMSTON, MI 48895

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	289 Months
Due	Dec 1, 2047

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSTON NC
Recording Date	Aug 14, 2017
Property Address	313 JAMES PL, CLAYTON, NC 27520-7785
Document Number	0000540651
Book / Page	5008 / 0541
Map Reference	MB 45 PG 145
Instrument Date	Aug 14, 2017
Instrument	2017540651
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$318.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7607 NC HIGHWAY 210, 7607, SMITHFIELD, NC 27577-8060

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 JAMES PL, CLAYTON, NC 27520-7785

Mortgage

Document Number	0000540652
Date	Aug 14, 2017
Instrument	2017540652

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	6%
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

The 2026 property tax bill for 313 James Pl was $1,790.

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	$1,790.00	$286,500 Land $78,820 Building $207,680	$286,500 Land $78,820 Building $207,680
2023	$1,321.00	$168,870 Land $63,050 Building $105,820	$168,870 Land $63,050 Building $105,820

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

Flood

FEMA maps place 313 James Pl 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	9 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 313 James Pl 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 143 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber	5,000 / 5,000
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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