426 Laurel Rd, Beaufort, NC 28516 Property Records

Carteret County property record for 426 Laurel Rd, Beaufort, NC 28516

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1978
Lot Size	1.01 acres (44,083 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Sep 2020)
Tax Bill	$713 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`7309.02.55.1751000`

Property Details

APN / Parcel Number

Primary APN	`7309.02.55.1751000`
Alternative APNs	`508417` `33324`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,008 sqft Heated Area
Gross Area	1,332 sqft
1st Floor Area	1,008 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Brick
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	44,083 sqft (1.01 acres)
Lot Dimensions	210 ft deep x 210 ft wide
Garage Area	640 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	33324
Street Address	426 LAUREL RD
City	BEAUFORT
State	NC
Zip	28516-6552
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15M
Legal Description	ACRE SR 1163 LAUREL RD
Legal Block	55
Jurisdiction	CARTERET NC
Township / Civil Division	BEAUFORT
Census Block Group	1
Census Block	1017
Census Tract	970301

Owner

426 Laurel Rd is owned and occupied by an individual who bought it in September 2020.

Source: Carteret County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	426 LAUREL RD, BEAUFORT, NC 28516-6552
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU
Sep 16, 2020	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU
Aug 2, 2017	Loan Modification, Mortgage · Conventional with PMI JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2020 · Amount on File
Deed Sale	Sep 16, 2020 · Amount on File
Prior Sale	Jul 24, 2013 · Amount on File
Deed Document Number	20201687364
Deed Book / Page	1687 / 364
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	426 LAUREL RD, BEAUFORT, NC 28516-6552
Transaction Type	Mortgage
Record Updated	Jul 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017730379
Date	Jul 15, 2022
Book Page	1773/379
Instrument	1773379

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Sep 16, 2020
Property Address	426 LAUREL RD, BEAUFORT, NC 28516-6552
Document Number	0016870364
Book / Page	1687 / 364
Instrument Date	Sep 9, 2020
Instrument	1687364
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 SKY SAIL BLVD, 1, NEW BERN, NC 28560-4576

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 LAUREL RD, BEAUFORT, NC 28516-6552

Mortgage

Document Number	1687365
Date	Sep 16, 2020
Instrument	1687-365

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2025
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	6.37%
Index	5-Year CMT
Max Rate	10.3%

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CARTERET NC
Property Address	426 LAUREL RD, BEAUFORT, NC 28516-6552
Document Number	0015840456
Book / Page	001584 / 000456
Instrument Date	Aug 2, 2017
Transaction Type	Mortgage
Record Updated	Aug 24, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	426 LAUREL RD BEAUFORT NC 285166552, BEAUFORT, NC 28516-6552

Mortgage

Document Number	0015840456
Date	Aug 18, 2017
Book Page	001584/000456

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	MONROE, LA 71203-4774

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 17, 2047

Interest

Rate Type	Fixed Rate
Rate	4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 426 Laurel Rd was $713.

Source: Carteret County assessment roll, as of November 24, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$195,372 (-) Land $44,132 Building $151,240	$195,372 (-) Land $44,132 Building $151,240
2025	$713.00	$195,372 Land $44,132 Building $151,240	$195,372 Land $44,132 Building $151,240
2023		$87,721 Land $23,388 Building $64,333	$87,721 Land $23,388 Building $64,333
2022	$575.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 426 Laurel Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 101 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	101 in force
Nearby Flood Claims	149 (1996–2022)
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Florence, Sep 2018 · 28 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 34 claims Hurricane Bonnie, Aug 1998 · 27 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

Wildfire risk around 426 Laurel Rd is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 62% of the US · above 84% of North Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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