Johnston County property record for 41 E Umbria Ct, Clayton, NC 27527
| Property Type | Patio Home |
|---|---|
| Details | 3 bd · 2 ba · 1,683 sqft · built 2016 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $205,000 (Jun 2017) |
| Tax Bill | $2,130 (2026) |
| Deeds & Mortgages | Dec 2017 Reverse Mortgage Dec 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16J05017M |
| Primary APN | 16J05017M |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,683 sqft Living Area |
| Gross Area | 2,312 sqft |
| 1st Floor Area | 1,683 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Patio Home |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 3,049 sqft (0.07 acres) |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 149 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 2000201849 |
|---|---|
| Street Address | 41 E UMBRIA CT |
| City | CLAYTON |
| State | NC |
| Zip | 27527-5415 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Patio Home |
| Local Zoning Code | COP |
| Legal Description | LOT 19 COTTAGES PH 1 AT TUSCANY 77/339-341 |
| Legal Subdivision | THE COTTAGES AT TUSCANY |
| Legal Phase | 1 |
| Legal Lot Number | 19 |
| Jurisdiction | JOHNSTON NC |
| Township / Civil Division | WILDERS |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 40207 |
Source: Johnston County records, as of September 24, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 41 E UMBRIA CT, CLAYTON, NC 27527-5415 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 12, 2017 | Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC |
| Dec 7, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Jun 28, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 28, 2017 · Amount on Record |
| Deed Sale | Jun 28, 2017 · Amount on Record |
| Deed Document Number | 2017535221 |
| Deed Book / Page | 4982 / 263 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSTON NC |
| Property Address | 41 E UMBRIA CT, CLAYTON, NC 27527-5415 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000554237 |
|---|---|
| Date | Dec 12, 2017 |
| Book Page | 5072/0257 |
| Instrument | 2017554237 |
| Name | REVERSE MORTGAGE FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | BLOOMFIELD, NJ 07003 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.83% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2019 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Max Rate At Change | 5% |
| Index | 1-Year LIBOR |
| Margin | 2 |
| Max Rate | 5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSTON NC |
| Property Address | 41 E UMBRIA CT, CLAYTON, NC 27527-5415 |
| Document Number | 0000554238 |
| Instrument Date | Dec 7, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2019 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL AGENCY SOLUTION |
| Name | Verified Name |
|---|---|
| Address | 41 E UMBRIA CT CLAYTON NC 275275415, CLAYTON, NC 27527-5415 |
| Document Number | 0000554238 |
|---|---|
| Date | Dec 12, 2017 |
| Book Page | 005072/000273 |
| Instrument | 554238 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 1056 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.83% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JOHNSTON NC |
| Recording Date | Jun 28, 2017 |
| Property Address | 41 E UMBRIA CT, CLAYTON, NC 27527-5415 |
| Document Number | 0000535221 |
| Book / Page | 004982 / 000263 |
| Instrument Date | Jun 26, 2017 |
| Instrument | 535221 |
| Transaction Type | Transfer |
| Record Updated | Jul 10, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $410.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 41 E UMBRIA CT CLAYTON NC 275275415, CLAYTON, NC 27527-5415 |
Source: Johnston County assessment roll, as of September 24, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Johnston County |
| Unified School District | Johnston County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,130.00 (+35.07%) | $340,840 (+64.59%) Land $70,000 Building $270,840 | $340,840 (+64.59%) Land $70,000 Building $270,840 |
| 2023 | $1,577.00 | $207,080 Land $38,000 Building $169,080 | $207,080 Land $38,000 Building $169,080 |
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 |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Nearby Flood Policies | 11 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 | 0.01% 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 | BUFFALO CREEK S/D private · serves 721 people · EPA ID NC0351189 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 115 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Brightspeed Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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