356 Water Oak Dr, Smithfield, NC 27577 Property Records

Johnston County property record for 356 Water Oak Dr, Smithfield, NC 27577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,419 sqft · built 2004
Lot Size	0.6 acres (26,136 sqft)
Owner	Individual Name on File
Last Sale	$223,000 (Dec 2020)
Tax Bill	$1,881 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Aug 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06G06012A`

Property Details

APN / Parcel Number

Primary APN	`06G06012A`
Alternative APN	`2000234882`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,419 sqft Living Area
Gross Area	2,176 sqft
1st Floor Area	1,419 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2013
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	26,136 sqft (0.6 acres)

Exterior Amenities

Porch	Slab
Porch Area	91 sqft
Deck Area	258 sqft
Patio Area	408 sqft
Storage Building	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2000234882
Street Address	356 WATER OAK DR
City	SMITHFIELD
State	NC
Zip	27577-9544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAG
Legal Description	LOT 37 WALKRS RIDGE PH 3 60/309
Legal Subdivision	WALKERS RIDGE SUBDIVISION
Legal Phase	3
Legal Lot Number	37
Jurisdiction	JOHNSTON NC
Township / Civil Division	CLEVELAND
Census Block Group	2
Census Block	2011
Census Tract	41106

Owner

356 Water Oak Dr is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	356 WATER OAK DR, SMITHFIELD, NC 27577-9544
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
Jan 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Aug 30, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Dec 29, 2020	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2020 · Amount on File
Deed Sale	Dec 29, 2020 · Amount on File
Prior Sale	Nov 27, 2013 · Amount on File
Deed Document Number	2020725025
Deed Book / Page	5796 / 708
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Property Address	356 WATER OAK DR, SMITHFIELD, NC 27577-9544
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000792433
Date	Jan 21, 2022
Book Page	6165/486
Instrument	2022792433

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Property Address	356 WATER OAK DR, SMITHFIELD, NC 27577-9544
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LENDER RECORDING SERVICE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000583175
Date	Aug 30, 2018
Book Page	5209/0043
Instrument	2018583175

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 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSTON NC
Recording Date	Dec 29, 2020
Property Address	356 WATER OAK DR, SMITHFIELD, NC 27577-9544
Document Number	0000725025
Book / Page	5796 / 708
Map Reference	MB 60 PG 307-309
Instrument Date	Dec 29, 2020
Instrument	2020725025
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$446.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1010 AMELIA STATION WAY APT 201, 1010, CLAYTON, NC 27520-9678

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	356 WATER OAK DR, SMITHFIELD, NC 27577-9544

Mortgage

Document Number	0000725026
Date	Dec 29, 2020
Instrument	2020725026

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Jan 1, 2026
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	6.37%
Index	5-Year CMT
Max Rate	10.3%

Tax Assessment & Valuation

The 2026 property tax bill for 356 Water Oak Dr was $1,881.

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	$1,881.00	$301,030 Land $90,000 Building $211,030	$301,030 Land $90,000 Building $211,030
2023	$1,337.00	$170,890 Land $46,000 Building $124,890	$170,890 Land $46,000 Building $124,890

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

Flood

FEMA maps place 356 Water Oak 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 356 Water Oak 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% 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.

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 82 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

Cell Coverage

5G (outdoors only) and 4G LTE

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