326 Ocean Dr, Clayton, NC 27520 Property Records

Johnston County property record for 326 Ocean Dr, Clayton, NC 27520

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,672 sqft · built 2016
Lot Size	0.76 acres (33,106 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Jan 2017)
Tax Bill	$3,035 (2026)
Deeds & Mortgages	Sep 2022 Line of Credit Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06G05030O`

Property Details

APN / Parcel Number

Primary APN	`06G05030O`
Alternative APN	`2000197959`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,672 sqft Living Area
Gross Area	3,748 sqft
1st Floor Area	1,650 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2018
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	33,106 sqft (0.76 acres)
Garage Area	778 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	608 sqft
Porch	Patio
Porch Area	298 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2000197959
Street Address	326 OCEAN DR
City	CLAYTON
State	NC
Zip	27520-3670
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAG
Legal Description	LOT 29 SUNSET RIDGE PH 2 80/318
Legal Subdivision	SUNSET RIDGE SUB PH 2
Legal Phase	2
Legal Lot Number	29
Jurisdiction	JOHNSTON NC
Township / Civil Division	CLEVELAND
Census Block Group	2
Census Block	2005
Census Tract	41106

Owner

326 Ocean Dr is owned and occupied by two individuals who bought it in January 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	326 OCEAN DR, CLAYTON, NC 27520-3670
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
Sep 21, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Dec 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 25, 2017	Warranty Deed, Transfer · Conventional with PMI STIFEL BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2017 · Amount on File
Deed Sale	Jan 25, 2017 · Amount on File
Deed Document Number	2017517580
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Property Address	326 OCEAN DR, CLAYTON, NC 27520-3670
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000827819
Date	Sep 21, 2022
Book Page	6345/216
Instrument	2022827819

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	BENSON, NC 27504

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Property Address	326 OCEAN DR, CLAYTON, NC 27520-3670
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000641373
Date	Dec 30, 2019
Book Page	5497/0265
Instrument	2019641373

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

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

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSTON NC
Recording Date	Jan 25, 2017
Property Address	326 OCEAN DR, CLAYTON, NC 27520-3670
Document Number	0000517580
Book / Page	004900 / 000487
Instrument Date	Jan 12, 2017
Instrument	517580
Transaction Type	Transfer
Record Updated	Mar 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	326 OCEAN DR CLAYTON NC 275203670, CLAYTON, NC 27520-3670

Mortgage

Document Number	517581
Date	Jan 25, 2017
Book Page	004900/000489
Instrument	517581

Lender

Name	STIFEL BK&TR
Type	Bank
Address	ST LOUIS, MO 63141

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 24, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 326 Ocean Dr was $3,035.

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	$3,035.00	$485,750 Land $75,000 Building $410,750	$485,750 Land $75,000 Building $410,750
2023	$2,449.00	$289,220 Land $50,000 Building $239,220	$289,220 Land $50,000 Building $239,220

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

Flood

FEMA maps place 326 Ocean Dr 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

Wildfire risk around 326 Ocean Dr 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 67% of the US · above 43% 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 46 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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