Filtered tap water is fine for beginning, and is IMO a must for AG brewing at the beginning.
I use RO water and build it according to the style I ma making, sometimes I can't make the additons to be exact to the region I am trying to duplicate but htat is neither here nor there, it is close to say the least.
Building your water gives you another region of control over your brewing, and allows you to
duplicate a style closer to a classic/well known beer style.
However, I think that brewing with your local water (at least brewing a style suite to your local water, can give your beer that "Je ne sais quoi" that other places may not be able to).
Anyhow using strait distilled or RO water is a no-no, spring water, and filtered water are better alternatives.
You can always contact your local water department and get a copy of your water report, and find out exactly what exaclty is in your water.
For more detail on water check out the
Kaiser's Wiki . This dude does tons of experiments, and really knows his stuff about many things brew related. From water to pH, to mash, to efficiency this guy has a little something on everything, and it is very comprehensive, check it out, read, read, read some more, learn, and improve!
Cheers!