229 E Water St, Washington, NC 27889 Property Records

Beaufort County property record for 229 E Water St, Washington, NC 27889

Property Summary

Property Type	Single Family Home
Details	2 bd · 1,440 sqft · built 2020
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on Record
Last Sale	$399,500 (Apr 2021)
Tax Bill	$5,176 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Aug 2023 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`5675-97-1079`

Property Details

APN / Parcel Number

Primary APN	`5675-97-1079`
Alternative APN	`47381`

Interior

Bedrooms	2 Beds
Building Area	1,440 sqft Living Area
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Composition/Composite
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,178 sqft (0.05 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	229 E WATER ST
City	WASHINGTON
State	NC
Zip	27889-5048
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L-26 PH-2 MOSS LANDING HARBOR HOMES
Jurisdiction	BEAUFORT NC
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2017
Census Tract	930300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Washington Historic District listed 1979 · 513 contributing resources · NRIS 79001661

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	2 Individual Names on Record
Mailing Address	229 E WATER ST, WASHINGTON, NC 27889-5048
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2025	Deed of Trust, Mortgage · Line of Credit SOUTHERN BANK & TRUST CO
Aug 28, 2023	Warranty Deed, Transfer · Conventional Mortgage AFFILIATED MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2021 · Amount on Record
Deed Sale	Apr 16, 2021 · Amount on Record
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT NC
Property Address	229 E WATER ST, WASHINGTON, NC 27889-5048
Transaction Type	Mortgage
Record Updated	Oct 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	229 E WATER ST, WASHINGTON, NC 27889-5048

Mortgage

Document Number	002214/601
Date	Oct 9, 2025
Book Page	2214/601
Instrument	2025004762

Lender

Name	SOUTHERN BANK & TRUST CO
Type	Bank
Address	GREENVILLE, NC 27834

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT NC
Recording Date	Aug 28, 2023
Property Address	229 E WATER ST, WASHINGTON, NC 27889-5048
Document Number	002147/779
Book / Page	2147 / 779
Map Reference	CAB J SL 11-5
Instrument Date	Jul 13, 2023
Instrument	2023004189
Transaction Type	Transfer
Record Updated	Sep 12, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$896.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2090 EASTERN AVE, NASHVILLE, NC 27856-1842

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	229 E WATER ST, WASHINGTON, NC 27889-5048

Mortgage

Document Number	2023004190
Date	Aug 28, 2023
Instrument	2023004190

Lender

Name	AFFILIATED MORTGAGE SERVICES
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,176.00 (+70.26%)	$546,835 (+116.75%) Land $198,100 Building $348,735
2025			$546,835 (+116.75%) Land $198,100 Building $348,735
2023	$3,040.00	$252,293 (-) Land $36,600 Building $215,693
2022	$3,040.00	$252,293 Land $36,600 Building $215,693	$252,293 (-) Land $36,600 Building $215,693
2018			$252,293 Land $36,600 Building $215,693

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 January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 97 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	118 units insured incl. 21 condo units
Nearby Flood Claims	207 (1985–2018)
Claims Outside the SFHA	5 of 207
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 36 claims Hurricane Floyd Major Disaster Declarations, Oct 1999 · 31 claims Hurricane Dennis, Sep 1999 · 45 claims

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	Not rated no burnable land within ember reach

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 35 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

May also be available: T-Mobile.

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