405 Ryans Ln, Clayton, NC 27520 Property Records

Johnston County property record for 405 Ryans Ln, Clayton, NC 27520

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,024 sqft · built 1999
Lot Size	1.43 acres (62,291 sqft)
Owner	Individual Name on File
Last Sale	$405,000 (Mar 2026)
Tax Bill	$2,335 (2026)
Deeds & Mortgages	Apr 2024 Mortgage Mar 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05G01001P`

Property Details

APN / Parcel Number

Primary APN	`05G01001P`
Alternative APN	`2000215928`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,024 sqft Living Area
Gross Area	2,720 sqft
1st Floor Area	1,898 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2010
Exterior Material	Other
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	62,291 sqft (1.43 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	222 sqft
Deck Area	180 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2000215928
Street Address	405 RYANS LN
City	CLAYTON
State	NC
Zip	27520-5546
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	LOT 8 RYANS CREEK 88/212
Legal Subdivision	RYANS CREEK
Legal Lot Number	8
Jurisdiction	JOHNSTON NC
Township / Civil Division	CLAYTON
Census Block Group	2
Census Block	2000
Census Tract	41005

Owner

405 Ryans Ln is owned and occupied by an individual who bought it in March 2026.

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

Owner of Record	Individual Name on File
Mailing Address	405 RYANS LN, CLAYTON, NC 27520-5546
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Apr 12, 2024	Deed of Trust, Mortgage · Conventional Mortgage BOX HOME LOANS DIV OF CANOPY MORTGAGE LL
Mar 23, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jan 25, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Jan 25, 2019	Warranty Deed, Transfer · Conventional with PMI JOHN W & PATRICIA A DAVIS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2026 · Amount on File
Deed Sale	Mar 23, 2026 · Amount on File
Prior Sale	Jan 25, 2019 · Amount on File
Deed Document Number	20268612
Deed Book / Page	7073 / 260
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Property Address	405 RYANS LN, CLAYTON, NC 27520-5546
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	SILK TITLE AND ESCROW FT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 RYANS LN, CLAYTON, NC 27520-5549

Mortgage

Document Number	0000010433
Date	Apr 12, 2024
Book Page	6649/378
Instrument	2024010433

Lender

Name	BOX HOME LOANS DIV OF CANOPY MORTGAGE LL
Address	360 TECHNOLOGY CT STE 200, LINDON, UT 84042

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSTON NC
Recording Date	Mar 23, 2026
Property Address	405 RYANS LN, CLAYTON, NC 27520-5546
Document Number	0000008612
Book / Page	DEED7073 / 260
Map Reference	MB 88 PG 212
Instrument Date	Mar 16, 2026
Instrument	2026008612
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$810.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	604 RYANS LN, CLAYTON, NC 27520-5549

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 RYANS LN, CLAYTON, NC 27520-5546

Mortgage

Document Number	0000008613
Date	Mar 23, 2026
Instrument	2026008613

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSTON NC
Recording Date	Jan 25, 2019
Property Address	405 RYANS LN, CLAYTON, NC 27520-5546
Document Number	0000599214
Book / Page	005284 / 000048
Instrument Date	Jan 25, 2019
Instrument	599214
Transaction Type	Transfer
Record Updated	Feb 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$480.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 RYANS LN CLAYTON NC 275205546, CLAYTON, NC 27520-5546

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSTON NC
Recording Date	Jan 25, 2019
Property Address	405 RYANS LN, CLAYTON, NC 27520-5546
Document Number	0000599255
Book / Page	005284 / 000279
Instrument Date	Jan 25, 2019
Instrument	599255
Transaction Type	Transfer
Record Updated	Feb 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	405 RYANS LN CLAYTON NC 275205546, CLAYTON, NC 27520-5546

Mortgage

Document Number	599256
Date	Jan 25, 2019
Book Page	005284/000281
Instrument	599256

Lender

Name	JOHN W & PATRICIA A DAVIS
Address	26 GRAND OAKS DR, HENDERSONVILLE, NC 28792
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 24, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 405 Ryans Ln was $2,335, down 1.6% from the year before.

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	$2,335.00 (-1.56%)	$373,640 (-) Land $82,500 Building $291,140	$373,640 (-) Land $82,500 Building $291,140
2025	$2,372.00	$373,640 Land $82,500 Building $291,140	$373,640 Land $82,500 Building $291,140
2023	$1,968.00	$234,290 Land $52,800 Building $181,490	$234,290 Land $52,800 Building $181,490

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

Flood

FEMA maps place 405 Ryans Ln 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 405 Ryans Ln 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	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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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