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315 E Water St, Washington, NC 27889 Property Records

Beaufort County property record for 315 E Water St, Washington, NC 27889

Property Summary

Property TypeSingle Family Home
Details3 bd · 2,130 sqft · built 2020
Lot Size0.07 acres (3,049 sqft)
Owner2 Individual Names on Record
Last Sale$735,000 (May 2026)
Tax Bill$6,379 (2026)
Deeds & MortgagesMay 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN5675-96-6824

Property Details

APN / Parcel Number

Primary APN5675-96-6824
Alternative APN
  • 322

Interior

Bedrooms3 Beds
Building Area2,130 sqft Living Area
FlooringWood
Interior WallsCustom/Decorative
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Architectural StyleConventional
Exterior MaterialComposition/Composite
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area3,049 sqft (0.07 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address315 E WATER ST
CityWASHINGTON
StateNC
Zip27889-4584
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeI1
Legal DescriptionLT 13 PH-1 MOSS LANDING HARBOR HOMES
Legal SubdivisionMOSS LANDING HARBOR HOMES
Legal Lot Number13
JurisdictionBEAUFORT NC
Township / Civil DivisionWASHINGTON
Census Block Group2
Census Block2017
Census Tract930300

Historic Designation

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

Historic DistrictWithin 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 Record2 Individual Names on Record
Mailing Address315 E WATER ST, WASHINGTON, NC 27889-4584
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 28, 2026 · Amount on Record
Deed SaleMay 28, 2026 · Amount on Record
Prior SaleAug 14, 2020 · Amount on Record
Record UpdatedOct 29, 2026

May 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBEAUFORT NC
Recording DateMay 28, 2026
Property Address315 E WATER ST, WASHINGTON, NC 27889-4584
Instrument DateMay 2, 2026
Transaction TypeTransfer
Record UpdatedAug 18, 2026
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address315 E WATER ST, WASHINGTON, NC 27889-4584

Mortgage

DateMay 28, 2026
Lender
NameJP MORGAN CHASE
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJun 1, 2041
Interest
Rate TypeAdjustable Rate
Rate0.57%
Initial TypeAdjustable Rate
Max Rate-1%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyBeaufort County
MunicipalityWashington City
Unified School DistrictBeaufort County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$6,379.00 (-2.03%)$679,052 (-) Land $198,100 Building $480,952
2025$6,511.00 (-0.85%)$679,052 (+28.11%) Land $198,100 Building $480,952$679,052 (+28.11%) Land $198,100 Building $480,952
2023$6,567.00$530,069 Land $67,000 Building $463,069
2018$530,069 Land $67,000 Building $463,069

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 97 individual policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies118 units insured
incl. 21 condo units
Nearby Flood Claims207 (1985–2018)
Claims Outside the SFHA5 of 207
Most Recent ClaimSep 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 RiskNot 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 SystemCITY OF WASHINGTON
serves 13,000 people · EPA ID NC0407010
Water SourceGroundwater
Last State InspectionApr 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting1
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

ProviderMax Down / Up (Mbps)
Brightspeed
Fiber		2,000 / 2,000
Optimum
Cable		940 / 35

May also be available: T-Mobile.

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