Johnston County property record for 3216 River Oaks, Clayton, NC 27520
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,184 sqft · built 1988 |
| Lot Size | 2.5 acres (108,900 sqft) |
| Owner | Individual on Record |
| Last Sale | $287,500 (Mar 1995) |
| Tax Bill | $2,967 (2023) |
| Deeds & Mortgages | Jul 2026 Line of Credit Jun 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05G01009P |
| Primary APN | 05G01009P |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 3,184 sqft Living Area |
| Gross Area | 4,040 sqft |
| 1st Floor Area | 1,944 sqft |
| 2nd Floor Area | 1,240 sqft |
| Attic Area | 856 sqft |
| Flooring | Plywood |
| Interior Walls | Wallboard/Drywall |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Other |
| Exterior Material | Other |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 108,900 sqft (2.5 acres) |
| Garage Area | 647 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 68 sqft |
| Deck Area | 934 sqft |
| Patio Area | 934 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 2000037941 |
|---|---|
| Street Address | 3216 RIVER OAKS |
| City | CLAYTON |
| State | NC |
| Zip | 27520-9073 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES |
| Legal Description | L1 RIVER OAK FARMS 29/351175000-152 |
| Legal Subdivision | RIVER OAKS FARM |
| Legal Lot Number | 1 |
| Jurisdiction | JOHNSTON NC |
| Township / Civil Division | CLAYTON |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 41005 |
Source: Johnston County assessment roll, as of January 1, 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3216 RIVER OAKS, CLAYTON, NC 27520-9073 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 17, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL |
| Jun 30, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Oct 27, 2017 | Deed of Trust, Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Jun 19, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 31, 1995 · Amount on Record |
| Deed Sale | Mar 31, 1995 · Amount on Record |
| Deed Document Number | 0001435437 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSTON NC |
| Recording Date | Jul 17, 2026 |
| Property Address | 3216 RIVER OAKS, CLAYTON, NC 27520-9073 |
| Document Number | 0000023552 |
| Book / Page | 7154 / 468 |
| Instrument Date | Jul 9, 2026 |
| Instrument | 202623552 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2026 |
| Title Company | ACCURATE GROUP |
| Name | Verified Name |
|---|---|
| Address | 3216 RIVER OAKS, CLAYTON, NC 27520-9073 |
| Document Number | 0000023552, |
|---|---|
| Date | Jul 17, 2026 |
| Book Page | 7154/468 |
| Instrument | 202623552 |
| Name | FIRST NATIONAL |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 9, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSTON NC |
| Property Address | 3216 RIVER OAKS, CLAYTON, NC 27520-9073 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000535611 |
|---|---|
| Date | Jun 30, 2017 |
| Book Page | 4984/0541 |
| Instrument | 2017535611 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | HERMITAGE, PA 16148 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jul 1, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSTON NC |
| Property Address | 3216 RIVER OAKS, CLAYTON, NC 27520-9073 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STEWART TITLE GUARANTY |
| Name | Verified Name |
|---|
| Document Number | 0000549456 |
|---|---|
| Date | Oct 27, 2017 |
| Book Page | 5049/0464 |
| Instrument | 2017549456 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | HERMITAGE, PA 16148 |
| Amount | Amount Recorded |
|---|---|
| Term | 264 Months |
| Due | Oct 4, 2039 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSTON NC |
| Property Address | 3216 RIVER OAKS, CLAYTON, NC 27520-9073 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000616469 |
|---|---|
| Date | Jun 19, 2019 |
| Book Page | 5369/0371 |
| Instrument | 2019616469 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | HERMITAGE, PA 16148 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 264 Months |
| Due | Jun 3, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Johnston County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Johnston County |
| Unified School District | Johnston County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $2,967.00 | $353,290 Land $65,000 Building $288,290 | $353,290 Land $65,000 Building $288,290 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Brightspeed DSL | 140 / 20 |
| T-Mobile Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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