122 Rock Rd, Washington, NC 27889 Property Records

Beaufort County property record for 122 Rock Rd, Washington, NC 27889

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,196 sqft · built 1978
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on Record
Last Sale	$178,000 (Mar 2023)
Tax Bill	$1,167 (2026)
Deeds & Mortgages	Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5695-28-5538`

Property Details

APN / Parcel Number

Primary APN	`5695-28-5538`
Alternative APN	`38797`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,196 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	19,602 sqft (0.45 acres)
Garage Type	Carport
Garage Area	68 sqft
Carport	Carport
Carport Area	68 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Street Address	122 ROCK RD
City	WASHINGTON
State	NC
Zip	27889-7639
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 LOT WHITAKERD HAROLD GURGANUS
Jurisdiction	BEAUFORT NC
Township / Civil Division	LONG ACRE
Census Block Group	3
Census Block	3026
Census Tract	930502

Owner

Source: Beaufort County records, as of October 16, 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	122 ROCK RD, WASHINGTON, NC 27889-7639
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2023 · Amount on Record
Deed Sale	Mar 7, 2023 · Amount on Record
Prior Sale	May 20, 2022 · Amount on Record
Record Updated	Oct 29, 2026

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BEAUFORT NC
Recording Date	Mar 7, 2023
Property Address	122 ROCK RD, WASHINGTON, NC 27889-7639
Document Number	002131/912
Book / Page	2131 / 912
Instrument Date	Feb 21, 2023
Instrument	2023001046
Transaction Type	Transfer
Record Updated	Sep 7, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$356.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	233 CHERRY RD, WASHINGTON, NC 27889-7795

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 ROCK RD, WASHINGTON, NC 27889-7639

Mortgage

Document Number	2023001047
Date	Mar 7, 2023
Instrument	2023001047

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.4%
Type Change Date	Apr 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	7.4%
Index	5-Year TN
Max Rate	11.4%

Tax Assessment & Valuation

Source: Beaufort County assessment roll, as of October 16, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Beaufort County
Unified School District	Beaufort County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,167.00 (+66.48%)	$181,281 (+143.7%) Land $18,585 Building $162,696
2025			$181,281 (+143.7%) Land $18,585 Building $162,696
2023	$701.00 (+0.72%)	$74,387 (-) Land $20,000 Building $54,387
2022	$696.00	$74,387 Land $20,000 Building $54,387	$74,387 (-) Land $20,000 Building $54,387
2018			$74,387 Land $20,000 Building $54,387

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 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	0.01% annual chance
Exposure	Direct burnable vegetation

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	CITY OF WASHINGTON serves 13,000 people · EPA ID NC0407010
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20