Beaufort County property record for 434 E Bay St, Belhaven, NC 27810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,430 sqft · built 1900 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $105,000 (Aug 2015) |
| Tax Bill | $1,399 (2026) |
| Flood Zone | Zone AE (high risk) |
| APN | 7605-89-8444 |
| Primary APN | 7605-89-8444 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,430 sqft Living Area |
| Gross Area | 1,446 sqft |
| Flooring | Carpet |
| Interior Walls | Plywood |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Conventional |
| Exterior Material | Asbestos |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Porch | Slab |
| Porch Area | 48 sqft |
| Storage Building | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 434 E BAY ST |
|---|---|
| City | BELHAVEN |
| State | NC |
| Zip | 27810-1530 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5M |
| Legal Description | (0.22A) GARY C AND DONNA MADDOX |
| Jurisdiction | BEAUFORT NC |
| Township / Civil Division | PANTEGO |
| Census Block Group | 2 |
| Census Block | 2036 |
| Census Tract | 930102 |
434 E Bay St is owned and occupied by two individuals who bought it in August 2015.
Source: Beaufort County records, as of October 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 434 E BAY ST, BELHAVEN, NC 27810-1530 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 18, 2015 · Amount on File |
| Deed Sale | Aug 18, 2015 · Amount on File |
| Deed Book / Page | 1880 / 59 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 434 E Bay St was $1,399.
Source: Beaufort County assessment roll, as of October 16, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Beaufort County |
| Municipality | Belhaven Town |
| Unified School District | Beaufort County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,399.00 | $140,290 Land $34,200 Building $106,090 | |
| 2025 | $140,290 Land $34,200 Building $106,090 | ||
| 2023 | $1,373.00 | $98,266 Land $16,185 Building $82,081 | |
| 2018 | $98,266 Land $16,185 Building $82,081 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 434 E Bay St 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 | 5.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 209 individual policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 245 units insured incl. 36 condo units |
| Nearby Flood Claims | 125 (1999–2025) |
| Most Recent Claim | Oct 2025 · rainfall accumulation |
| Claims by Event |
|
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 risk around 434 E Bay St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 46% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BELHAVEN WATER SYSTEM serves 1,960 people · EPA ID NC0407015 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 334 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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