Johnston County property record for 46 Congress St, Clayton, NC 27527
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,958 sqft · built 2015 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on File |
| Last Sale | $368,000 (Mar 2016) |
| Tax Bill | $3,202 (2023) |
| Deeds & Mortgages | Nov 2020 Mortgage Feb 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16K05081E |
| Primary APN | 16K05081E |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,958 sqft Living Area |
| Gross Area | 3,244 sqft |
| 1st Floor Area | 1,479 sqft |
| 2nd Floor Area | 1,063 sqft |
| Attic | Attic |
| Attic Area | 702 sqft |
| Flooring | Plywood |
| Interior Walls | Wallboard/Drywall |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,792 sqft (0.11 acres) |
| Garage Area | 550 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 1,292 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Account Number | 2000226100 |
|---|---|
| Street Address | 46 CONGRESS ST |
| City | CLAYTON |
| State | NC |
| Zip | 27527-5490 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 18 CHATHAM PH 2 AT FLOWERS PLANTATION 80/351 |
| Legal Subdivision | CHATHAM/FLOWERS PLANTATION SUB |
| Legal Phase | 2 |
| Legal Lot Number | 18 |
| Jurisdiction | JOHNSTON NC |
| Township / Civil Division | WILDERS |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 40207 |
Source: Johnston County assessment roll, as of January 1, 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 46 CONGRESS ST, CLAYTON, NC 27527-5490 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 20, 2020 | Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE INC |
| Feb 14, 2020 | Intrafamily Transfer, Transfer · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 4, 2016 · Amount on Record |
| Deed Sale | Mar 4, 2016 · Amount on Record |
| Prior Sale | Mar 4, 2016 · Amount on Record |
| Deed Document Number | 0000481800 |
| Deed Book / Page | 004729 / 000145 |
| Last Transfer Date | Feb 14, 2020 |
| Transfer Doc | 0000647119 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSTON NC |
| Property Address | 46 CONGRESS ST, CLAYTON, NC 27527-5490 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Title Company | RAVENSWOOD TITLE COMPANY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000718963 |
|---|---|
| Date | Nov 20, 2020 |
| Book Page | 5761/577 |
| Instrument | 2020718963 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | JOHNSTON NC |
| Recording Date | Feb 14, 2020 |
| Property Address | 46 CONGRESS ST, CLAYTON, NC 27527-5490 |
| Document Number | 0000647119 |
| Book / Page | 5524 / 0400 |
| Map Reference | MB 80 PG 350&351 |
| Instrument Date | Feb 10, 2020 |
| Instrument | 2020647119 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 46 CONGRESS ST, CLAYTON, NC 27527-5490 |
| Document Number | 0000647120 |
|---|---|
| Date | Feb 14, 2020 |
| Instrument | 2020647120 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 317 Months |
| Due | Jul 1, 2046 |
Source: Johnston County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Johnston County |
| Unified School District | Johnston County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $3,202.00 | $395,340 Land $50,000 Building $345,340 | $395,340 Land $50,000 Building $345,340 |
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 13 policies |
| Nearby Flood Policies | 13 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 | FLOWERS PLANTATION private · serves 12,809 people · EPA ID NC0351195 |
|---|---|
| Water Source | Purchased surface water from JOHNSTON CO-WEST |
| Last State Inspection | Apr 2025 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 349 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Brightspeed Fiber | 1,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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