440 Arnolds Beach Rd, Roper, NC 27970 Property Records

Washington County property record for 440 Arnolds Beach Rd, Roper, NC 27970

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,676 sqft · built 1990
Lot Size	1.51 acres (65,993 sqft)
Owner	2 Individual Names on File
Last Sale	$222,000 (Sep 2018)
Tax Bill	$2,618 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2018 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`7841.03-01-6505`

Property Details

APN / Parcel Number

Primary APN	`7841.03-01-6505`
Alternative APN	`2643`

Interior

Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,676 sqft Base Area
1st Floor Area	2,676 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1992
Architectural Style	Conventional
Exterior Material	Brick
Roof Type	Gable
Roof Material	Wood
Lot Area	65,993 sqft (1.51 acres)
Terrain	Above Road/Slope
Garage Area	825 sqft
Patio Area	528 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	2643
Street Address	440 ARNOLDS BEACH RD
City	ROPER
State	NC
Zip	27970-9538
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	WASHINGTON NC
Township / Civil Division	SKINNERSVILLE
Census Block Group	1
Census Block	1011
Census Tract	950100

Owner

440 Arnolds Beach Rd is owned and occupied by two individuals who bought it in September 2018.

Source: Washington County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	440 ARNOLDS BEACH RD, ROPER, NC 27970-9538
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Sep 27, 2018	Warranty Deed, Construction Loan · Construction Mortgage SOUTHERN BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2018 · Amount on File
Deed Sale	Sep 27, 2018 · Amount on File
Prior Sale	Dec 5, 2016 · Amount on File
Deed Book / Page	518 / 528
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON NC
Property Address	440 ARNOLDS BEACH RD, ROPER, NC 27970-9538
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000529/500
Date	Sep 11, 2020
Book Page	529/500
Instrument	314646

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

September 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	WASHINGTON NC
Recording Date	Sep 27, 2018
Property Address	440 ARNOLDS BEACH RD, ROPER, NC 27970-9538
Document Number	000518/528
Book / Page	518 / 528
Map Reference	DD 363 PG 273
Instrument Date	Sep 25, 2018
Transaction Type	Construction Loan
Record Updated	Aug 24, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$444.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2356, NORFOLK, VA 23501-2356

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 ARNOLDS BEACH RD, ROPER, NC 27970-9538

Mortgage

Document Number	0000518531
Date	Sep 27, 2018
Instrument	518/531

Lender

Name	SOUTHERN BANK & TRUST CO
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 440 Arnolds Beach Rd was $2,618.

Source: Washington County assessment roll, as of September 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,618.00	$268,700 Land $61,500 Building $207,200
2025			$268,700 Land $61,500 Building $207,200
2023		$268,700 Land $61,500 Building $207,200	$268,700 (-) Land $61,500 Building $207,200
2022	$2,283.00		$268,700

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

Flood

FEMA maps place 440 Arnolds Beach Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 28, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AO, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 20 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	5 (1998–2022)
Most Recent Claim	Nov 2022 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 2 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 440 Arnolds Beach Rd 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	WASHINGTON COUNTY WATER SYSTEM serves 6,693 people · EPA ID NC0494025
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2026–2028) 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Brightspeed DSL	40 / 3

Cell Coverage

4G LTE (outdoors only), no 5G reported

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