704 James Dr, Washington, NC 27889 Property Records

Beaufort County property record for 704 James Dr, Washington, NC 27889

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,385 sqft · built 1972
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$48,500 (Jul 2023)
Tax Bill	$1,521 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5685-47-8646`

Property Details

APN / Parcel Number

Primary APN	`5685-47-8646`
Alternative APN	`43337`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,385 sqft Living Area
Gross Area	1,025 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	704 JAMES DR
City	WASHINGTON
State	NC
Zip	27889-3814
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	1 LOT 704 JAMES DRIVE
Legal Lot Number	704
Jurisdiction	BEAUFORT NC
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3000
Census Tract	930300

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 Record	Individual Name on Record
Mailing Address	704 JAMES DR, WASHINGTON, NC 27889-3814
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2023 · Amount on Record
Deed Sale	Jul 19, 2023 · Amount on Record
Prior Sale	Dec 23, 2002 · Amount on Record
Record Updated	Oct 29, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BEAUFORT NC
Recording Date	Jul 19, 2023
Property Address	704 JAMES DR, WASHINGTON, NC 27889-3814
Document Number	002144/475
Book / Page	2144 / 475
Map Reference	MB 986 PG 951
Instrument Date	Jul 18, 2023
Instrument	2023003502
Transaction Type	Transfer
Record Updated	Sep 7, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$97.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	208 HOLLY DR, WASHINGTON, NC 27889-9083

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 JAMES DR, WASHINGTON, NC 27889-3814

Mortgage

Document Number	2023003503
Date	Jul 19, 2023
Instrument	2023003503

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.65%
Type Change Date	Aug 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	7.65%
Index	5-Year TN
Max Rate	11.6%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,521.00 (+121.72%)	$145,193 (+245.68%) Land $16,720 Building $128,473
2025			$145,193 (+245.68%) Land $16,720 Building $128,473
2023	$686.00 (+0.73%)	$42,002 (-) Land $9,480 Building $32,522
2022	$681.00	$42,002 Land $9,480 Building $32,522	$42,002 (-) Land $9,480 Building $32,522
2018			$42,002 Land $9,480 Building $32,522

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 127 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	127 in force
Nearby Flood Claims	314 (1978–2024)
Claims Outside the SFHA	7 of 314
Most Recent Claim	Aug 2024 · Tropical Storm Debby
Claims by Event	Hurricane Florence, Sep 2018 · 59 claims Hurricane Dennis, Sep 1999 · 70 claims Hurricane Fran, Sep 1996 · 51 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 Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% 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	CITY OF WASHINGTON serves 13,000 people · EPA ID NC0407010
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2023–2025) 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 195 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Optimum Cable	940 / 35
T-Mobile Fixed Wireless	100 / 20