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202 W Atlantic Boulevard, Atlantic Beach, NC, 28512

3beds
3baths
3,093sqft
$1,700,000
$550price/sqft
$9,610/moest. monthly cost
$384,400/yrincome needed

About This Home

Welcome to this classic beach cottage! Built in 1955, this cottage exudes coastal charm from the knotty pine throughout the main living floor to the spacious front porch with breathtaking ocean views, this is your perfect beach retreat. Whether you are looking for a permanent residence, an investment opportunity, or a weekend spot to while away the days, here it is! This home, located just off the Atlantic Beach Circle is the perfect location. Step into the main living area from the front porch with expansive windows offering unobstructed views of the ocean, just steps away. Enjoy the open living space with lots of room for family and friends. The living room has a fireplace to cozy up to on cool nights. The kitchen, with stainless appliances, farmhouse sink, and peninsula bar, perfect for serving up family meals or entertaining friends. Enjoy family meals in the dining room just off the kitchen for convenience. Adjacent to the kitchen is a laundry room with lots of cabinetry for storage and small sink for clean-ups. This level also has a full bath, bedroom, a media room, and office. Convenience is on point with main entry to the main living space in the front and a recently updated staircase to the backyard which makes for easy unloading of groceries and supplies. Upstairs there is another bedroom, along with other spaces perfect for an exercise space or playroom...the possibilities are endless! The bath on this level is spacious, with double vanities, tile flooring and walk-in shower. A separate living space downstairs, with private entry, is perfect for a mother-in-law-suite or long/short term rentals. It has a kitchen, living area, separate bedroom, and recently updated bath. The shiplap walls provide a coastal feel. This space also has a washer/dryer and plenty of storage. Paver pathways and updated easy care landscaping lend to the beach vibes. Out back, cook up meals in the mini covered kitchen with built-in gas grill and sink. There is also an outside bar area, with mounted TV which provides the perfect spot to catch the game or just enjoy time with friends. A fenced in back yard is perfect for pets or kids. With the breathtaking ocean views and proximity to dining and shopping, this classic beach home is ready for you! Just pack your bags and move right in! Lot includes parking in front of the home and directly behind the black ornamental fence. Home is being sold furnished with few exclusions. Additional square footage of 768 square feet is for downstairs apartment for a total of 3093.

Getting Around

43
WalkingCar-Dependent
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

8/10
3/10
West Carteret High SchoolGrades 9-123.8 mi

Construction

Condition

  • Year built: 1955

Materials

  • Foundation: Block
  • Roof: Metal
  • Construction materials: Composition,Block,Asbestos,Fiber Cement,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Mini Refrigerator,Gas Oven,Water Softener,Washer,Refrigerator,Dryer,Dishwasher
  • Laundry features: Laundry Room

Bedroom1

  • Level: Second

Bedroom3

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Solid Surface,Apt/Suite,Ceiling Fan(s),Furnished,Pantry,Walk-in Shower,Blinds/Shades,Gas Log
  • Flooring: Carpet,Wood
  • Fireplace features: Gas Log
  • Fireplace: Yes
  • Attic: Pull Down Stairs

Heating & Cooling

  • Heating features: Propane,Other,Electric,Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,325
  • Total interior livable area: 3,093 sqft

Kitchen

  • Level: Second

Kitchen

  • Level: First

Laundry

  • Level: Second

Living Room

  • Level: Second

Master Bedroom

  • Level: Third

Media Room

  • Level: Second

Office

  • Level: Second

Property

Details

  • Parcel number: 637516920989000
  • Zoning: Residential
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Patio & porch: Covered,Deck,Porch
  • Exterior features: Outdoor Grill,See Remarks60
  • Fencing: Metal/Ornamental,Back Yard
  • Has view: Yes
  • View description: Ocean
  • Has water view: Yes
  • Water view: Ocean
  • Frontage type: See Remarks
  • Living area range: 2200 - 2399

Lot

  • Lot size: 6,098 sqft
  • Features: Ocean Side
  • Lot size dimensions: 50' x 120' x 50' x 120'

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Concrete,Unpaved
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingVery High
  • Hurricane
    HurricaneVery High
  • Winter Weather
    Winter WeatherRelatively High
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Winter Weather
Lightning
Tsunami

FEMA Declared Disasters in Carteret County and North Carolina

Flood
Hurricane
Mud Landslide
Severe Storm
Tropical Depression
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $8,596$103,152
Home Insurance *$188$2,256
Property Taxes $538$6,456
Electricity $288$3,456
Total$9,610$115,320
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$329,485/yr
40% on housing$288,300/yr
45% on housing$256,266/yr

North Carolina FAIR Plan Programs

North Carolina Joint Underwriting Association - FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

NCIUA - Coastal Property Insurance Pool (CPIP)

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 235,990Commercial: 10,165
Total Premiums$278.20M
Total Exposure$57.33B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.1%
9.1%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$550This listing

vs Other Active Listings

Avg $/sqft

ZIP 28512$322
Carteret County$289

vs Homes Sold Last Month

Median $/sqft

ZIP 28512$522
Carteret County$252

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-04-23Listed for sale$1,700,000
2024-03-22Sold$950,000
2024-02-09Pending sale$1,150,000
2024-01-29Price change$1,150,000
2023-12-12Listed for sale$1,200,000

For Sale by Agent

AgentWhitford-Melson Homes Team, Coldwell Banker Sea Coast AB
BrokerageColdwell Banker Sea Coast AB

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