406 E Water St, Washington, NC 27889 Property Records

Beaufort County property record for 406 E Water St, Washington, NC 27889

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,942 sqft · built 2017
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,278 (2026)
Deeds & Mortgages	Mar 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`5675-96-9846`

Property Details

APN / Parcel Number

Primary APN	`5675-96-9846`
Alternative APN	`45421`

Interior

Bedrooms	3 Beds
Building Area	2,125 sqft Living Area
Gross Area	2,942 sqft
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Conventional
Exterior Material	Composition/Composite
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	406 E WATER ST
City	WASHINGTON
State	NC
Zip	27889-5051
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(.15 AC) LT-A ANNA MARIA ISLAND INVESTMENTS LLC
Legal Lot Number	A
Jurisdiction	BEAUFORT NC
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2049
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	406 E WATER ST, WASHINGTON, NC 27889-5051
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT NC
Property Address	406 E WATER ST, WASHINGTON, NC 27889-5051
Transaction Type	Mortgage
Record Updated	Sep 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 E WATER ST, WASHINGTON, NC 27889-5051

Mortgage

Document Number	002132/497
Date	Mar 13, 2023
Book Page	2132/497
Instrument	2023001153

Lender

Name	FIRST BANK
Type	Bank
Address	WASHINGTON, NC 27889

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	$4,278.00 (-0.42%)	$448,218 (+31.19%) Land $42,525 Building $405,693
2025			$448,218 (+31.19%) Land $42,525 Building $405,693
2023	$4,296.00	$341,652 Land $60,500 Building $281,152
2018			$341,652 Land $60,500 Building $281,152

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	Low lower than 99.1% of the US · lower than 99.5% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 332 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
T-Mobile Fixed Wireless	100 / 20