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I have peaches that are big and beautiful that are just ripening and look fine; but, when you cut into them they more often than not have a brown inside around the seed that looks like it is rotting from the inside starting at the seed. The variety is an Elberta variety and the location is central NC. I would like to know  1. What is this disease? 2.  What causes it and what  can be done to prevent it.
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I too have a similar problem.  I live in Southern California and have 2 peach,2 apricot and an apple tree.  On of the peach trees bear good fruit.  Follow the link below to see photos of the tree with the bad fruit.

http://bookeditor-bookcovers.net/BF/bad-fruit.pdf

Answer
It looks as though the tree may not be getting pollinated properly.  The pit looks OK but the flesh of the fruit is not developing fully.  I do not see any evidence of insects as they would probably affect both peaches.  If this tree always produces fruit like this, I would say it is a varietal problem with pollination.  The tree may not be compatible with the other peach tree that is there.  If they are both the same variety, this may be the problem.  A different variety is sometimes needed for correct pollination.  Sorry I can provide no better info than this.  You may check the web for peach tree pollination and see if you can find a solution.  Good Luck.