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286 Oakleaf Drive, Pine Knoll Shores, NC, 28512

3beds
3baths
3,228sqft
$1,980,000
$613price/sqft
$10,910/moest. monthly cost
$436,400/yrincome needed

About This Home

Welcome to this well maintained waterfront home in the heart of Pine Knoll Shores, where location and lifestyle take center stage. Situated on a private, beautifully landscaped lot just off of the sound, this property offers canal access with a private boat lift, making it easy to spend your days boating, fishing, or relaxing at the nearby sandbars. This home features multiple flexible living spaces to fit your needs. In addition to the bedrooms, you'll find two additional rooms--one currently serving as a bright sunroom and sitting area, and another ideal for guests, a home office, hobby room, or additional living space. Upstairs, an enclosed sitting room with expansive windows overlooks the pool and offers peaceful views of the sound, creating the perfect spot to enjoy your morning coffee or unwind at the end of the day. While the home offers an opportunity for cosmetic updates, it has been well cared for over the years, and that pride of ownership is evident throughout. The spacious layout provides a solid foundation for you to make it your own while enjoying one of the area's most desirable waterfront locations. Designed for entertaining, the lower level pool room opens directly onto the pool deck and features a bar with seating, refrigerator, sink, and stove--an ideal setup for hosting family and friends after a day on the water. Outside, the large lot offers privacy and curb appeal. The home sits well back from the road, surrounded by mature live oaks and lush landscaping that create a peaceful, welcoming entrance. If you've been searching for a waterfront property with boating access, a private pool, versatile living space, and endless potential, this Pine Knoll Shores home is one you won't want to miss.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

8/10
5/10
West Carteret High SchoolGrades 8-123.0 mi

Construction

Condition

  • Year built: 1980

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Fiber Cement,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Electric Oven
  • Laundry features: Dryer Hookup,Washer Hookup,Laundry Room

Basement

  • Basement: None

Bathroom1

  • Level: Second

Bathroom2

  • Level: Second

Bathroom3

  • Level: First

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedrooms & Bathrooms

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

Breakfast Nook

  • Level: Second

Dining Room

  • Level: Second

Family Room

  • Level: First

Features

  • Walk-in Closet(s),Entrance Foyer,Elevator,Ceiling Fan(s),Furnished,Wet Bar,Blinds/Shades,Walk-In Closet(s)

Heating & Cooling

  • Heating features: Heat Pump,Electric,Forced Air
  • Cooling features: Central Air,Ceiling Fan(s),Heat Pump

Interior Area

  • Total structure area: 3,228
  • Total interior livable area: 3,228 sqft

Kitchen

  • Level: Second

Living Room

  • Level: Second

Master Bedroom

  • Level: Second

Other

  • Level: First

Sunroom

  • Level: Second

Property

Accessibility

  • Accessibility features: Accessible Elevator Installed

Details

  • Parcel number: 635515632699000
  • Zoning: Residential
  • Special condition: Standard

Features

  • Levels: Two
  • Pool features: In Ground
  • Patio & porch: Covered,Deck,Patio
  • Exterior features: Outdoor Shower,Gas Log
  • Fencing: Partial,Back Yard
  • Has view: Yes
  • View description: Canal,ICW,Sound,Water
  • Has water view: Yes
  • Water view: Canal,Sound,Water
  • On waterfront: Yes
  • Waterfront features: Boat Lift,Bulkhead,Canal Front,Deeded Water Access,Waterfront,Water Access Comm,Sound Front
  • Frontage type: Sound Front,Canal Front
  • Living area range: 3000 - 3499

Lot

  • Lot size: 0.69 Acres
  • Features: Boat Lift,Bulkhead,Deeded Water Access,Deeded Waterfront,Water Access Comm
  • Lot size dimensions: 70 x 321 x 120 x 333

Parking

  • Total spaces: 2
  • Parking features: Concrete,Garage
  • 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

  • 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 $10,011$120,132
Home Insurance *$219$2,628
Property Taxes $380$4,560
Electricity $300$3,607
Total$10,910$130,920
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$374,057/yr
40% on housing$327,300/yr
45% on housing$290,933/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

$613This listing

vs Other Active Listings

Avg $/sqft

ZIP 28512$320
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)

Price History

DateEventPrice
2026-08-07Contingent$1,980,000
2026-08-03Listed for sale$1,980,000

For Sale by Agent

AgentLeah Grady
BrokerageRealty One Group Navigate

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