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1710 Shepard Street, Morehead City, NC, 28557

2beds
2baths
1,017sqft
$615,000
$605price/sqft
$3,778/moest. monthly cost
$151,120/yrincome needed

About This Home

Classic cottage located in Morehead City, just a few blocks from the sandy beach area. Recent updates include a renovated kitchen, along with the addition of a laundry room and a half bath. Hardwood floors run throughout most of the home, adding warmth and coastal charm. The kitchen features a mix of wood-grain and white cabinetry, quartz countertops, a tile backsplash, sleek white appliances, and a gorgeous ceramic floor. The dining area is conveniently situated between the kitchen and living room, creating an easy flow for everyday living and entertaining. The living area offers a cozy wood-burning fireplace, while two guest bedrooms share a hall bath. The laundry room and half bath are conveniently located off the main living area. Outside, the large backyard is perfect for afternoon grilling and outdoor gatherings, while the storage shed provides plenty of space for fishing equipment and beach gear. Ideally located just minutes from the vibrant waterfront, you'll enjoy easy access to local shops, fresh seafood restaurants, and scenic views of the Intracoastal Waterway. Whether watching fishing boats return with the day's catch or simply soaking in the coastal atmosphere, this location offers year-round enjoyment with Atlantic Beach just a short drive away.

Getting Around

51
WalkingSomewhat Walkable
0
TransitVery Limited Transit
57
BikeBikeable

Schools

8/10
5/10
West Carteret High SchoolGrades 8-123.6 mi

Construction

Condition

  • Year built: 1945

Materials

  • Foundation: Crawl Space
  • Roof: Shingle
  • Construction materials: Wood Siding,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Oven,Washer,Refrigerator,Dryer,Dishwasher
  • Laundry features: Dryer Hookup,Washer Hookup

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s)
  • Flooring: Tile,Hardwood
  • Attic: Pull Down Stairs

Heating & Cooling

  • Heating features: Heat Pump,Electric
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 1,017
  • Total interior livable area: 1,017 sqft

Property

Details

  • Parcel number: 638618219048000
  • Zoning: R5S
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: None
  • Fencing: None
  • Has view: Yes
  • View description: None
  • Frontage type: See Remarks
  • Living area range: 1000 - 1199

Lot

  • Lot size: 4,792 sqft
  • Lot size dimensions: see plat map in documents

Parking

  • Parking features: On Street
  • Has uncovered spaces: Yes

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
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Winter Weather
Ice Storm
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 $3,109$37,308
Home Insurance *$144$1,728
Property Taxes $325$3,900
Electricity $200$2,405
Total$3,778$45,336
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$129,531/yr
40% on housing$113,340/yr
45% on housing$100,746/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

$605This listing

vs Other Active Listings

Avg $/sqft

ZIP 28557$335
Carteret County$291

vs Homes Sold Last Month

Median $/sqft

ZIP 28557$222
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
2026-07-14Price change$615,000
2026-05-27Listed for sale$625,000
2021-12-15Sold$385,000
2021-11-02Pending sale$369,900
2021-10-26Price change$369,900
2021-10-04Listed for sale$395,000

For Sale by Agent

AgentMary Cheatham King Real Estate team
BrokerageKeller Williams Crystal Coast

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