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535 N Oneil St, Clayton, NC, 27520

3beds
1baths
1,177sqft
$230,000
$195price/sqft
$1,651/moest. monthly cost
$66,040/yrincome needed

About This Home

Step into the timeless charm of this 1945 bungalow, perfectly nestled in the heart of downtown Clayton. A classic white picket fence welcomes you home, while the inviting interior showcases some of the original hardwood floors. This charming 3 bedroom, plus a versatile office/flex space- ideal for working from home, guest space, hobby room or playroom. Bathroom has been completely updated complementing the home's classic appeal. 3rd bedroom does not have closet. Outside, you'll find a backyard with a detached garage that's been converted into a workshop- perfect for woodworking or additional creative space. There's also a separate storage shed for additional storage! Don't miss this opportunity to make this classic home yours!

Getting Around

58
WalkingSomewhat Walkable
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

7/10
Cooper ElementaryGrades PK-50.3 mi
5/10
Riverwood MiddleGrades 6-83.1 mi
5/10
Clayton HighGrades 9-120.7 mi

Construction

Condition

  • Year built: 1945

Materials

  • Roof: Shingle
  • Construction materials: Stone,Synthetic Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Range,Refrigerator,Stainless Steel Appliance(s),Washer/Dryer

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Hardwood,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Great Room,See Remarks
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,177

Heating & Cooling

  • Heating features: Electric,Heat Pump,None
  • Cooling features: Electric,Heat Pump

Interior Area

  • Total structure area: 1,177
  • Total interior livable area: 1,177 sqft

Property

Details

  • Parcel number: 05034010
  • Zoning: RES
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Front Porch
  • Fencing: Partial
  • Has view: Yes

Lot

  • Lot size: 7,405 sqft
  • Features: Back Yard

Parking

  • Total spaces: 2
  • Parking features: Driveway
  • Has uncovered spaces: Yes
  • Uncovered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Tornado
    TornadoVery High
  • Winter Weather
    Winter WeatherVery High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Tornado
Winter Weather
Heat Wave
Inland Flooding
Lightning
Cold Wave
Hail
Hurricane
Ice Storm
Strong Wind

FEMA Declared Disasters in Johnston County and North Carolina

Flood
Hurricane
Mud Landslide
Severe Storm
Tropical Depression
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,163$13,956
Home Insurance *$99$1,188
Property Taxes $189$2,268
Electricity $200$2,405
Total$1,651$19,812
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$56,605/yr
40% on housing$49,530/yr
45% on housing$44,026/yr

North Carolina FAIR Plan Programs

North Carolina Joint Underwriting Association - FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

NCIUA - Coastal Property Insurance Pool (CPIP)

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 235,990Commercial: 10,165
Total Premiums$278.20M
Total Exposure$57.33B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$195This listing

vs Other Active Listings

Avg $/sqft

ZIP 27520$168
Johnston County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 27520$193
Johnston County$184

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-08Pending sale$230,000
2026-07-31Listed for sale$230,000
2016-11-10Sold$118,000
2016-10-04Listed for sale$118,000
2013-09-25Sold$48,000
2013-08-17Pending sale$49,900
2013-08-10Listed for sale$49,900
2013-07-24Pending sale$49,900
2013-07-20Listed for sale$49,900
2013-06-26Pending sale$49,900
2013-06-13Price change$49,900
2013-05-30Price change$59,900
2013-05-09Price change$64,900
2013-04-06Listed for sale$69,900
2012-05-08Listing removed$89,900
2012-02-04Listed for sale$89,900
2011-02-05Listing removed$94,900
2010-09-16Listed for sale$94,900
2008-05-30Sold$84,000

For Sale by Agent

AgentDon Gomez
BrokerageC-A-RE Realty

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