404 Rock Cir, Clayton, NC 27520 Property Records

Johnston County property record for 404 Rock Cir, Clayton, NC 27520

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,412 sqft · built 1993
Lot Size	1.16 acres (50,530 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,426 (2026)
Deeds & Mortgages	Jun 2026 Mortgage May 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05G01019I`

Property Details

APN / Parcel Number

Primary APN	`05G01019I`
Alternative APN	`2000051326`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,412 sqft Living Area
Gross Area	3,120 sqft
1st Floor Area	2,172 sqft
Attic	Attic
Attic Area	240 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2002
Exterior Material	Other
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	50,530 sqft (1.16 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	12 sqft
Deck Area	120 sqft
Patio Area	120 sqft
Storage Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	2000051326
Street Address	404 ROCK CIR
City	CLAYTON
State	NC
Zip	27520-8039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	L17 FIELDSTONE SE1 38/145175000-
Legal Subdivision	FIELDSTONE SUBDIVISION
Jurisdiction	JOHNSTON NC
Township / Civil Division	CLAYTON
Census Block Group	1
Census Block	1002
Census Tract	41005

Owner

404 Rock Cir is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	404 ROCK CIR, CLAYTON, NC 27520-8039
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
Jun 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 19, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Mar 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Dec 19, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Recording Date	Jun 23, 2026
Property Address	404 ROCK CIR, CLAYTON, NC 27520-8039
Document Number	0000020160
Book / Page	7136 / 454
Instrument Date	Jun 19, 2026
Instrument	202620160
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ROCKET TITLE, ROCKET CLOSE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 ROCK CIR, CLAYTON, NC 27520-8039

Mortgage

Document Number	0000020160,
Date	Jun 23, 2026
Book Page	7136/454
Instrument	202620160

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Property Address	404 ROCK CIR, CLAYTON, NC 27520-8039
Transaction Type	Mortgage
Record Updated	May 30, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000810847
Date	May 19, 2022
Book Page	6261/51
Instrument	2022810847

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 10, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Property Address	404 ROCK CIR, CLAYTON, NC 27520-8039
Transaction Type	Mortgage
Record Updated	Aug 31, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000736026
Date	Mar 2, 2021
Book Page	5857/538
Instrument	2021736026

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Feb 1, 2036

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Property Address	404 ROCK CIR, CLAYTON, NC 27520-8039
Document Number	0000556145
Book / Page	005081 / 000536
Instrument Date	Dec 19, 2017
Transaction Type	Mortgage
Record Updated	Jan 5, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 ROCK CIR CLAYTON NC 275208039, CLAYTON, NC 27520-8039

Mortgage

Document Number	0000556145
Date	Dec 28, 2017
Book Page	005081/000536
Instrument	556145

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 27, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 404 Rock Cir was $2,426.

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	$2,426.00	$380,930 Land $75,000 Building $305,930	$380,930 Land $75,000 Building $305,930
2023	$2,028.00	$234,090 Land $50,000 Building $184,090	$234,090 Land $50,000 Building $184,090

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

Flood

FEMA maps place 404 Rock Cir 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
Community Rating System	Class 10 (0% premium discount)
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 404 Rock Cir is low, with a 0.02% 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	0.02% 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 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Brightspeed.

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