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312 McGinnis Dr #312, Pine Knoll Shores, NC, 28512

3beds
4baths
1,841sqft
$565,000
$307price/sqft
$3,228/moest. monthly cost
$129,120/yrincome needed

About This Home

ONE OF THE BEST BEACH BUYS ON THE ISLAND Sound side exceptionally maintained home with PRIVATE GATED BEACH ACCESS & parking, pool, clay tennis courts, boat & kayak launch with dock. ALL WINDOWS were replaced in JULY 2025. The main level DUCTWORK REPLACED in MAY 2025. Crawlspace insulation has been replaced and the entire space sealed (ground and floor system) in JULY 2026. More upgrades: new washer and dryer, new 65-inch mounted TV, storm door with an integrated screen, all faucets (kitchen and bathrooms), all bathroom light fixtures, smart house features and a Ring security camera. If you have been waiting for the right beach property at the right price, this McGinnis Point home deserves your attention. Priced to sell fast and a prime location inside one of Pine Knoll Shores esteemed private waterfront communities. This coveted end unit is a standout opportunity on the Crystal Coast. Bring your offers. Furnishings are also negotiable providing a turn-key property ready for you to enjoy right away. A spacious screened porch and deck are the perfect spot to enjoy morning coffee, bird watching, an afternoon nap, a good book, or patio gardening. The home also features a newly installed outdoor shower with a pull-out privacy screen, perfect after a day at the beach. Inside, the home has a welcoming layout that works well for everyday living and entertaining. The open-concept living area creates a natural flow, while the bay window and clearstory windows bathe the residence in beautiful natural light. The living room, with its beautiful hardwood floors and fireplace is cozy on cooler evenings, making the home feel inviting year-round. This 3-bedroom, 2.5-bath (4 toilets because of the jack-and-jill bathroom between the upstairs bedrooms) home offers almost 2,000 square feet of comfortable living space in the heart of Pine Knoll Shores. HVAC systems have been recently serviced, an annual electrical inspection has also been completed, and the exterior has been freshly painted. The HOA takes care of all the landscaping and exterior maintenance so you can relax. The insurance for the structure and basic cable are built into the HOA fee. Tucked among the maritime forest, this community offers a beautiful blend of privacy, nature, and coastal convenience. Enjoy quiet mornings, sound side sunsets, local wildlife, and island breezes while still being just minutes from the private beach access, boating, restaurants, shopping, golf, and area attractions. This home is about location, location, location! A short 1.2 mile drive to the NC Aquarium awaits, as well as an easy ride to: Fort Macon State Park, the NC Maritime Museum, local marinas, coastal restaurants, shopping, and more. Bring your boat, your beach chairs, and see why this home is one of the best buys on the island. Enjoy your walk on the beach – and RUN to see this house!

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

8/10
5/10
West Carteret High SchoolGrades 8-123.2 mi

Construction

Condition

  • Year built: 2003

Materials

  • Foundation: Concrete Block
  • Roof: Composition

Type & Style

  • Home type: Condo

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 2
  • 1/2 bathrooms: 2

Features

  • Flooring: Tile,Carpet,Hardwood
  • Fireplace features: masonry
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced air,Electric,Propane / Butane
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,841 sqft

Property

Details

  • Parcel number: 635514437819000

Features

  • Exterior features: Stone,Vinyl,Wood,Composition

Lot

  • Lot size: 1,481 sqft

Parking

  • Total spaces: 2
  • Parking features: Off-street

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

  • Hurricane
    HurricaneVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Winter Weather
Inland Flooding
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 $2,856$34,272
Home Insurance *$62$744
Property Taxes $110$1,320
Electricity $200$2,405
Total$3,228$38,736
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,674/yr
40% on housing$96,840/yr
45% on housing$86,080/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

$307This listing

vs Other Active Listings

Avg $/sqft

ZIP 28512$328
Carteret County$291

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)

Price History

DateEventPrice
2026-07-27Listed for sale$565,000
2026-07-23Listing removed$564,900
2026-07-10Price change$564,900
2026-06-26Price change$569,900
2026-06-20Price change$585,000
2026-06-12Listed for sale$595,000
2026-06-04Contingent$595,000
2026-05-21Price change$595,000
2026-04-17Listed for sale$599,000
2025-03-25Sold$501,500
2025-03-04Contingent$535,000
2025-01-14Price change$535,000
2024-10-24Listed for sale$545,000
2015-05-22Sold$190,000
2015-02-20Pending sale$199,500
2014-12-05Price change$199,500
2014-09-03Price change$225,000
2014-05-31Price change$255,000
2014-03-07Listed for sale$259,900

For Sale by Owner

AgentProperty Owner

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