643 Contender Dr, Clayton, NC 27520 Property Records

Johnston County property record for 643 Contender Dr, Clayton, NC 27520

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,664 sqft · built 2007
Lot Size	0.66 acres (28,750 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Jul 2018)
Tax Bill	$2,257 (2026)
Deeds & Mortgages	Mar 2026 Second Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05H06003R`

Property Details

APN / Parcel Number

Primary APN	`05H06003R`
Alternative APN	`2000210998`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,664 sqft Living Area
Gross Area	3,896 sqft
1st Floor Area	1,664 sqft
Attic	Attic
Attic Area	1,092 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2011
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	28,750 sqft (0.66 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	306 sqft
Deck Area	350 sqft
Patio Area	350 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2000210998
Street Address	643 CONTENDER DR
City	CLAYTON
State	NC
Zip	27520-4070
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAG
Legal Description	LOT 29 SUMMERSET PLACE PH 2 69/48
Legal Subdivision	PHASE TWO SUMMERSET PLACE SUBDIVISION
Legal Phase	2
Legal Lot Number	29
Jurisdiction	JOHNSTON NC
Township / Civil Division	SMITHFIELD
Census Block Group	4
Census Block	4006
Census Tract	41104

Owner

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	643 CONTENDER DR, CLAYTON, NC 27520-4070
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage MILLENNIAL HOME LENDING INC
Jul 18, 2018	Warranty Deed, Transfer · Conventional Mortgage FRANKLIN AMERICAN MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2018 · Amount on Record
Deed Sale	Jul 18, 2018 · Amount on Record
Prior Sale	May 16, 2007 · Amount on Record
Deed Document Number	2018578102
Deed Book / Page	5184 / 544
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Property Address	643 CONTENDER DR, CLAYTON, NC 27520-4070
Transaction Type	Mortgage
Record Updated	Mar 20, 2026
Title Company	ROCKET CLOSE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007458
Date	Mar 12, 2026
Book Page	DEED7067/83
Instrument	2026007458

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2046

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Property Address	643 CONTENDER DR, CLAYTON, NC 27520-4070
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000742787
Date	Apr 8, 2021
Book Page	5895/543
Instrument	2021742787

Lender

Name	MILLENNIAL HOME LENDING INC
Type	Mortgage Company
Address	CHATSWORTH, CA 91311

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSTON NC
Recording Date	Jul 18, 2018
Property Address	643 CONTENDER DR, CLAYTON, NC 27520-4070
Document Number	0000578102
Book / Page	5184 / 0544
Map Reference	MB69 PG46-48
Instrument Date	Jul 18, 2018
Instrument	2018578102
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	202 FARMALL DR, 202, SMITHFIELD, NC 27577-8955

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 CONTENDER DR, CLAYTON, NC 27520-4070

Mortgage

Document Number	0000578103
Date	Jul 18, 2018
Instrument	2018578103

Lender

Name	FRANKLIN AMERICAN MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

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	$2,257.00 (-1.57%)	$361,170 (-) Land $80,000 Building $281,170	$361,170 (-) Land $80,000 Building $281,170
2025	$2,293.00 (+42.78%)	$361,170 (+73.12%) Land $80,000 Building $281,170	$361,170 (+73.12%) Land $80,000 Building $281,170
2023	$1,606.00	$208,630 Land $42,000 Building $166,630	$208,630 Land $42,000 Building $166,630

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

Flood

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	2 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

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	0.03% 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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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