Beaufort County property record for 550 E Water St, Belhaven, NC 27810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 3,055 sqft · built 1956 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $120,000 (Aug 2014) |
| Tax Bill | $6,926 (2026) |
| Deeds & Mortgages | Apr 2023 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 7605-87-2989 |
| Primary APN | 7605-87-2989 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,055 sqft Living Area |
| Gross Area | 1,941 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 17,860 sqft (0.41 acres) |
| Garage Area | 195 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 550 E WATER ST |
|---|---|
| City | BELHAVEN |
| State | NC |
| Zip | 27810-1457 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | 1 LOT WS FRONT STREET |
| Jurisdiction | BEAUFORT NC |
| Township / Civil Division | PANTEGO |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 930102 |
550 E Water St is owned and occupied by two individuals who bought it in August 2014.
Source: Beaufort County records, as of October 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 550 E WATER ST, BELHAVEN, NC 27810-1457 |
| 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 29, 2014 · Amount on File |
| Deed Sale | Aug 29, 2014 · Amount on File |
| Deed Book / Page | 1853 / 175 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT NC |
| Property Address | 550 E WATER ST, BELHAVEN, NC 27810-1457 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2023 |
| Name | Verified Name |
|---|---|
| Address | 550 E WATER ST, BELHAVEN, NC 27810-1457 |
| Document Number | 002134/650 |
|---|---|
| Date | Apr 6, 2023 |
| Book Page | 2134/650 |
| Instrument | 2023001594 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | BELHAVEN, NC 27810 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 550 E Water St was $6,926.
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 | $6,926.00 | $786,723 Land $196,800 Building $589,923 | |
| 2025 | $786,723 Land $196,800 Building $589,923 | ||
| 2023 | $4,059.00 | $334,090 Land $80,000 Building $254,090 | |
| 2018 | $334,090 Land $80,000 Building $254,090 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 550 E Water 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 550 E Water St is low, with less than a 0.01% annual chance of wildfire.
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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