Johnston County property record for 654 Cole Rd, Clayton, NC 27520
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,788 sqft · built 2001 |
| Lot Size | 0.93 acres (40,511 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $290,000 (Apr 2020) |
| Tax Bill | $2,740 (2026) |
| Deeds & Mortgages | Oct 2017 Line of Credit Jul 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05I05030E |
| Primary APN | 05I05030E |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,788 sqft Living Area |
| Gross Area | 3,648 sqft |
| 1st Floor Area | 1,988 sqft |
| Attic | Attic |
| Attic Area | 800 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Brick Veneer |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 40,511 sqft (0.93 acres) |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 512 sqft |
| Deck Area | Deck Area |
| Patio Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 2000240935 |
|---|---|
| Street Address | 654 COLE RD |
| City | CLAYTON |
| State | NC |
| Zip | 27520-6807 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RAG |
| Legal Description | LOT 4 STONE CREEK SEC 1 48/369 |
| Legal Subdivision | STONE CREEK |
| Legal Lot Number | 4 |
| Jurisdiction | JOHNSTON NC |
| Township / Civil Division | CLAYTON |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 40906 |
654 Cole Rd is owned and occupied by two individuals who bought it in April 2020.
Source: Johnston County records, as of September 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 654 COLE RD, CLAYTON, NC 27520-6807 |
| 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.
| Date | Document |
|---|---|
| Oct 12, 2017 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Jul 12, 2021 | Warranty Deed, Transfer · VA Mortgage QUICKEN LOANS LLC |
| Apr 28, 2020 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 28, 2020 · Amount on File |
| Deed Sale | Apr 28, 2020 · Amount on File |
| Deed Document Number | 2020656792 |
| Deed Book / Page | 5578 / 201 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSTON NC |
| Property Address | 654 COLE RD, CLAYTON, NC 27520-6807 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000547724 |
|---|---|
| Date | Oct 12, 2017 |
| Book Page | 5041/0598 |
| Instrument | 2017547724 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27603 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JOHNSTON NC |
| Recording Date | Jul 12, 2021 |
| Property Address | 654 COLE RD, CLAYTON, NC 27520-6807 |
| Document Number | 0000759240 |
| Book / Page | 5985 / 796 |
| Map Reference | MB 48 PG 369 |
| Instrument Date | Jul 12, 2021 |
| Instrument | 2021759240 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $780.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 108 HUTSON LN, 108, CLAYTON, NC 27527-3932 |
| Name | Verified Name |
|---|---|
| Address | 654 COLE RD, CLAYTON, NC 27520-6807 |
| Document Number | 0000759241 |
|---|---|
| Date | Jul 12, 2021 |
| Instrument | 2021759241 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JOHNSTON NC |
| Recording Date | Apr 28, 2020 |
| Property Address | 654 COLE RD, CLAYTON, NC 27520-6807 |
| Document Number | 0000656792 |
| Book / Page | 5578 / 201 |
| Map Reference | MB 48 PG 369 |
| Instrument Date | Apr 28, 2020 |
| Instrument | 2020656792 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $580.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1290, CLAYTON, NC 27528-1290 |
| Name | Verified Name |
|---|---|
| Address | 654 COLE RD, CLAYTON, NC 27520-6807 |
| Document Number | 0000656793 |
|---|---|
| Date | Apr 28, 2020 |
| Instrument | 2020656793 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.25% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 6% |
The 2026 property tax bill for 654 Cole Rd was $2,740 with exemptions applied.
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 | $2,740.00 Disabled Person's exemption Veteran's exemption | $483,520 Land $85,000 Building $398,520 | $483,520 Land $85,000 Building $398,520 |
| 2023 | $2,081.00 Disabled Person's exemption Veteran's exemption | $315,350 Land $49,290 Building $266,060 | $315,350 Land $49,290 Building $266,060 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 654 Cole Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective July 20, 2022
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 654 Cole 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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