Beaufort County property record for 519 E Water St, Belhaven, NC 27810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,756 sqft · built 1900 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $450,000 (May 2026) |
| Tax Bill | $3,826 (2026) |
| Deeds & Mortgages | May 2026 Sale & Construction Loan Oct 2023 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 7605-88-3203 |
| Primary APN | 7605-88-3203 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,756 sqft Living Area |
| Gross Area | 2,190 sqft |
| Flooring | Marble |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Conventional |
| Exterior Material | Composition/Composite |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,761 sqft (0.27 acres) |
| Porch | Slab |
| Porch Area | 80 sqft |
| Storage Building | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 519 E WATER ST |
|---|---|
| City | BELHAVEN |
| State | NC |
| Zip | 27810-1456 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | 1 L EDWARD AND FRONT ST |
| Jurisdiction | BEAUFORT NC |
| Township / Civil Division | PANTEGO |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 930102 |
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 | 519 E WATER ST, BELHAVEN, NC 27810-1456 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 21, 2026 | Deed, Construction Loan · Construction Mortgage CMG FINANCIAL |
| Oct 27, 2023 | Deed of Trust, Mortgage · Commercial Mortgage COGENT BANK |
| May 4, 2023 | Deed, Transfer · Conventional Mortgage COGENT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 21, 2026 · Amount on Record |
| Deed Sale | May 21, 2026 · Amount on Record |
| Prior Sale | Apr 4, 2022 · Amount on Record |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BEAUFORT NC |
| Recording Date | May 21, 2026 |
| Property Address | 519 E WATER ST, BELHAVEN, NC 27810-1456 |
| Instrument Date | May 18, 2026 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 29, 2026 |
| Title Company | FIRST AMERICAN SOLUTIONS, FIRST AMERICAN MTG SOLUTIONS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 519 E WATER ST, BELHAVEN, NC 27810-1456 |
| Date | May 21, 2026 |
|---|
| Name | CMG FINANCIAL |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 0.64% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT NC |
| Property Address | 519 E WATER ST, BELHAVEN, NC 27810-1456 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2023 |
| Name | Verified Name |
|---|---|
| Address | 519 E WATER ST, BELHAVEN, NC 27810-1456 |
| Document Number | 002152/673 |
|---|---|
| Date | Oct 27, 2023 |
| Book Page | 2152/673 |
| Instrument | 2023005188 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | LAKE MARY, FL 32746 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 295 Months |
| Due | May 11, 2048 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BEAUFORT NC |
| Recording Date | May 4, 2023 |
| Property Address | 519 E WATER ST, BELHAVEN, NC 27810-1456 |
| Document Number | 002137/471 |
| Book / Page | 2137 / 471 |
| Instrument Date | May 2, 2023 |
| Instrument | 2023002139 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $10.14 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6320 S SYLVAN LAKE DR, SANFORD, FL 32771-9037 |
| Document Number | 2023002140 |
|---|---|
| Date | May 4, 2023 |
| Instrument | 2023002140 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.25% |
| Type Change Date | Jun 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 12.2% |
| Index | 1-Year T-Bill |
| Max Rate | 12.2% |
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 | $3,826.00 (+3.55%) | $424,199 (-) Land $47,250 Building $376,949 | |
| 2025 | $3,695.00 (+41.35%) | $424,199 (+111.68%) Land $47,250 Building $376,949 | $424,199 (+111.68%) Land $47,250 Building $376,949 |
| 2023 | $2,614.00 (+0.19%) | $200,392 (-) Land $53,250 Building $147,142 | |
| 2022 | $2,609.00 | $200,392 Land $53,250 Building $147,142 | $200,392 (-) Land $53,250 Building $147,142 |
| 2018 | $200,392 Land $53,250 Building $147,142 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% 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.
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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