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651 E Water St, Belhaven, NC 27810 Property Records

Beaufort County property record for 651 E Water St, Belhaven, NC 27810

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,128 sqft · built 1948
Lot Size0.3 acres (13,068 sqft)
OwnerCompany Name on Record
Tax Bill$1,584 (2026)
Deeds & MortgagesDec 2023 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN7605-97-0758

Property Details

APN / Parcel Number

Primary APN7605-97-0758
Alternative APN
  • 10415

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,128 sqft Living Area
Gross Area1,610 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1948
Effective Year BuiltEffective 1988
Architectural StyleConventional
Exterior MaterialAsbestos
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area13,068 sqft (0.3 acres)
Storage Building357 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address651 E WATER ST
CityBELHAVEN
StateNC
Zip27810-1575
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description2 LTS (.30 AC) ESTATE OF ELIZABETH STEARN PHELPS
JurisdictionBEAUFORT NC
Township / Civil DivisionPANTEGO
Census Block Group2
Census Block2024
Census Tract930102

Owner

Source: Beaufort County records, as of October 16, 2026

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

Owner of RecordCompany Name on Record
Mailing Address1705 OXFORD RD, WILMINGTON, NC 28403-7131
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 8, 2006
Deed SaleMar 8, 2006
Deed Book / Page1508 / 442
Record UpdatedOct 29, 2026

December 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBEAUFORT NC
Recording DateDec 28, 2023
Property Address651 E WATER ST, BELHAVEN, NC 27810-1575
Document Number002157/179
Book / Page2157 / 179
Instrument DateDec 28, 2023
Instrument2023006078
Transaction TypeTransfer
Record UpdatedJan 23, 2024

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$320.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1705 OXFORD RD, WILMINGTON, NC 28403-7131

Mortgage

Document Number2023006079
DateDec 28, 2023
Instrument2023006079
Lender
NameDUPREE NEEL
TypePrivate Party
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

Source: Beaufort County assessment roll, as of October 16, 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyBeaufort County
MunicipalityBelhaven Town
Unified School DistrictBeaufort County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,584.00 (+95.31%)$161,920 (+55.8%) Land $50,625 Building $111,295
2025$161,920 (+55.8%) Land $50,625 Building $111,295
2023$811.00$103,925 Land $33,375 Building $70,550
2018$103,925 Land $33,375 Building $70,550

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

Flood

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

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation5.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 209 individual policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies245 units insured
incl. 36 condo units
Nearby Flood Claims125 (1999–2025)
Most Recent ClaimOct 2025 · rainfall accumulation
Claims by Event
  • Hurricane Florence, Sep 2018 · 58 claims
  • Hurricane Irene, Aug 2011 · 31 claims
  • Hurricane Isabel, Sep 2003 · 7 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

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

Wildfire RiskLow
lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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 SystemBELHAVEN WATER SYSTEM
serves 1,960 people · EPA ID NC0407015
Water SourceGroundwater
Last State InspectionJun 2024
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 334 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Brightspeed
Fiber		2,000 / 2,000
Spectrum
Fiber		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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