421 Watkins Rd, Clayton, NC 27520 Property Records

Johnston County property record for 421 Watkins Rd, Clayton, NC 27520

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,708 sqft · built 1995
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Mar 2023)
Tax Bill	$3,336 (2026)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06F04045F`

Property Details

APN / Parcel Number

Primary APN	`06F04045F`
Alternative APNs	`2000041169` `2000258166`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,708 sqft Living Area
Gross Area	5,352 sqft
1st Floor Area	1,616 sqft
Attic	Attic
Attic Area	1,092 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2009
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	40,075 sqft (0.92 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	660 sqft
Deck Area	588 sqft
Patio Area	500 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2000258166
Street Address	421 WATKINS RD
City	CLAYTON
State	NC
Zip	27520-7061
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAG
Legal Description	NCSR 1551
Jurisdiction	JOHNSTON NC
Township / Civil Division	CLEVELAND
Census Block Group	2
Census Block	2001
Census Tract	41106

Owner

421 Watkins Rd is owned and occupied by two individuals who bought it in March 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	421 WATKINS RD, CLAYTON, NC 27520-7061
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
Mar 17, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Mar 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2023 · Amount on File
Deed Sale	Mar 17, 2023 · Amount on File
Deed Document Number	20237490
Deed Book / Page	6439 / 879
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSTON NC
Recording Date	Mar 17, 2023
Property Address	421 WATKINS RD, CLAYTON, NC 27520-7061
Document Number	0000007490
Book / Page	6439 / 879
Map Reference	DR SW950576
Instrument Date	Mar 14, 2023
Instrument	2023007490
Transaction Type	Transfer
Record Updated	Mar 28, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3111 POLENTA RD, CLAYTON, NC 27520-8946

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 WATKINS RD, CLAYTON, NC 27520-7061

Mortgage

Document Number	0000007491
Date	Mar 17, 2023
Instrument	2023007491

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.45%
Type Change Date	Apr 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.4%
Index	Other
Margin	3
Max Rate	10.4%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Property Address	421 WATKINS RD, CLAYTON, NC 27520-7061
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000563356
Date	Mar 12, 2018
Book Page	5114/0033
Instrument	2018563356

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 421 Watkins Rd was $3,336.

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	$3,336.00	$533,860 Land $68,260 Building $465,600	$533,860 Land $68,260 Building $465,600
2023	$2,660.00	$331,430 Land $39,010 Building $292,420	$331,430 Land $39,010 Building $292,420

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

Flood

FEMA maps place 421 Watkins Rd 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 421 Watkins Rd 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 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Brightspeed.

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