Johnston County property record for 431 Oak St, Smithfield, NC 27577
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,175 sqft · built 2000 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $203,000 (Oct 2024) |
| Tax Bill | $1,962 (2026) |
| Deeds & Mortgages | May 2021 Mortgage Feb 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2000275189 |
| Primary APN | 2000275189 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,175 sqft Living Area |
| Gross Area | 1,275 sqft |
| 1st Floor Area | 1,175 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,632 sqft (0.29 acres) |
| Lot Dimensions | 172 ft deep x 75 ft wide |
| Porch | Slab |
| Porch Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 2000275189 |
|---|---|
| Street Address | 431 OAK ST |
| City | SMITHFIELD |
| State | NC |
| Zip | 27577-5026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES |
| Legal Description | LOT 22 AND PART 23 PINE AC 56/412 |
| Legal Subdivision | PINE ACRES |
| Legal Lot Number | 22 |
| Jurisdiction | JOHNSTON NC |
| Township / Civil Division | SMITHFIELD |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 40700 |
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 | 431 OAK ST, SMITHFIELD, NC 27577-5026 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Feb 27, 2018 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 30, 2024 · Amount on Record |
| Deed Sale | Oct 30, 2024 · Amount on Record |
| Prior Sale | Feb 27, 2018 · Amount on Record |
| Deed Document Number | 202433167 |
| Deed Book / Page | 6768 / 972 |
| Prior Transfer Date | Nov 15, 2016 |
| Prior Transfer Doc | 0000510573 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSTON NC |
| Property Address | 431 OAK ST, SMITHFIELD, NC 27577-5026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000749360 |
|---|---|
| Date | May 14, 2021 |
| Book Page | 5931/504 |
| Instrument | 2021749360 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 323 Months |
| Due | Apr 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JOHNSTON NC |
| Recording Date | Feb 27, 2018 |
| Property Address | 431 OAK ST, SMITHFIELD, NC 27577-5026 |
| Document Number | 0000561861 |
| Book / Page | 5106 / 0813 |
| Map Reference | MB 56 PG 412 |
| Instrument Date | Feb 23, 2018 |
| Instrument | 2018561861 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 23, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 30601 AGOURA RD STE 200, 30601, AGOURA HILLS, CA 91301-2148 |
| Name | Verified Name |
|---|---|
| Address | 431 OAK ST, SMITHFIELD, NC 27577-5026 |
| Document Number | 0000561862 |
|---|---|
| Date | Feb 27, 2018 |
| Instrument | 2018561862 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2048 |
Source: Johnston County assessment roll, as of September 24, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Johnston County |
| Municipality | Smithfield Town |
| Unified School District | Johnston County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,962.00 (+41.05%) | $204,400 (+85.03%) Land $38,250 Building $166,150 | $204,400 (+85.03%) Land $38,250 Building $166,150 |
| 2023 | $1,391.00 | $110,470 Land $24,230 Building $86,240 | $110,470 Land $24,230 Building $86,240 |
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 |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 13 (1999–2016) |
| Claims Outside the SFHA | 13 of 13 |
| Most Recent Claim | Oct 2016 · Hurricane Matthew |
| Claims by Event |
|
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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 | TOWN OF SMITHFIELD serves 12,900 people · EPA ID NC0351010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| 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.
Source: FCC Broadband Data Collection, based on 165 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| T-Mobile Fiber · Fixed Wireless | 5,000 / 5,000 |
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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