317 E Water St, Washington, NC 27889 Property Records

Beaufort County property record for 317 E Water St, Washington, NC 27889

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,240 sqft · built 2020
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on Record
Last Sale	$719,000 (Apr 2026)
Tax Bill	$6,509 (2026)
Deeds & Mortgages	Nov 2023 Line of Credit Apr 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`5675-96-6852`

Property Details

APN / Parcel Number

Primary APN	`5675-96-6852`
Alternative APN	`323`

Interior

Bedrooms	3 Beds
Building Area	2,240 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	3,049 sqft (0.07 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	317 E WATER ST
City	WASHINGTON
State	NC
Zip	27889-4584
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	I1
Legal Description	LT 12 PH-1 MOSS LANDING HARBOR HOMES
Legal Subdivision	MOSS LANDING HARBOR HOMES
Legal Lot Number	12
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	Individual Name on Record
Mailing Address	38286 OCEAN VISTA DR, 1071, SELBYVILLE, DE 19975-2831
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2023	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Apr 26, 2024	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Apr 16, 2026	Deed, Transfer ATTORNEY ONLY
Apr 26, 2024	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2026 · Amount on Record
Deed Sale	Apr 16, 2026 · Amount on Record
Prior Sale	Jan 9, 2020 · Amount on Record
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT NC
Property Address	317 E WATER ST, WASHINGTON, NC 27889-4584
Transaction Type	Mortgage
Record Updated	May 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002153/656
Date	Nov 8, 2023
Book Page	2153/656
Instrument	2023005357

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT NC
Property Address	317 E WATER ST, WASHINGTON, NC 27889-4584
Transaction Type	Mortgage
Record Updated	May 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002166/653
Date	Apr 26, 2024
Book Page	2166/653
Instrument	2024001804

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BEAUFORT NC
Recording Date	Apr 16, 2026
Property Address	317 E WATER ST, WASHINGTON, NC 27889-4584
Instrument Date	Apr 16, 2026
Transaction Type	Transfer
Record Updated	Jul 23, 2026
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38286 OCEAN VISTA DR, 1071, SELBYVILLE, DE 19975-2831

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT NC
Property Address	317 E WATER ST, WASHINGTON, NC 27889-4584
Transaction Type	Mortgage
Record Updated	May 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002166/653
Date	Apr 26, 2024
Book Page	2166/653
Instrument	2024001804

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$6,509.00 (-2.03%)	$693,376 (-) Land $198,100 Building $495,276
2025	$6,644.00 (+33.23%)	$693,376 (+73.81%) Land $198,100 Building $495,276	$693,376 (+73.81%) Land $198,100 Building $495,276
2023	$4,987.00	$398,925 Land $67,000 Building $331,925
2018			$398,925 Land $67,000 Building $331,925

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 minimal risk
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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