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404 Dobbs Street, Atlantic Beach, NC, 28512

2beds
2baths
1,170sqft
$538,000
$460price/sqft
$3,163/moest. monthly cost
$126,520/yrincome needed

About This Home

Coastal living just moments from the sand! This charming 2-bedroom, 2-bath cottage sits in the highly desirable fourth row of Atlantic Beach, offering effortless beach access and the relaxed seaside lifestyle so many dream of. Inside, you'll find an open-concept floor plan perfect for everyday living or a coastal retreat, all on one level. Features include a spacious kitchen, large walk-in closet, sunroom or ideal office space, and an instant water heater for added convenience. Step outside and enjoy your own private oasis after a long day at the beach. The property boasts a hot and cold outdoor shower, patio area, storage garage, and carport — ideal for rinsing off the salt and soaking in the warm southern breezes. Whether you're searching for a primary residence, vacation getaway, or investment property, this home offers classic beach charm, functionality, and an unbeatable location. Don't Miss this rare chance to Just Add Water To Your Lifestyle!

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

8/10
3/10
West Carteret High SchoolGrades 9-124.3 mi

Construction

Condition

  • Year built: 1954

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block,Concrete,Vinyl Siding,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Oven,Built-In Microwave,Washer,Refrigerator,Dryer,Electric Range

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Master Downstairs,Walk-in Closet(s),Bookcases,Pantry,Blinds/Shades,Walk-In Closet(s)
  • Attic: None

Heating & Cooling

  • Heating features: Electric,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,170
  • Total interior livable area: 1,170 sqft

Property

Details

  • Parcel number: 638514226953000
  • Zoning: R
  • Special condition: Standard

Features

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

Lot

  • Lot size: 4,791 sqft
  • Lot size dimensions: 50 x 100

Parking

  • Total spaces: 1
  • Parking features: Concrete,Off Street
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

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 $2,720$32,640
Home Insurance *$59$708
Property Taxes $184$2,208
Electricity $200$2,405
Total$3,163$37,956
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,445/yr
40% on housing$94,890/yr
45% on housing$84,346/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

$460This listing

vs Other Active Listings

Avg $/sqft

ZIP 28512$329
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)

No zestimate history available

Price History

DateEventPrice
2026-03-25Price change$550,000
2026-01-28Price change$565,000
2025-12-17Listed for sale$615,000
2022-05-18Listing removed--
2022-02-17Price change$635,000
2021-12-30Price change$640,000
2021-12-21Price change$645,000
2021-10-24Listed for sale$650,000
2021-03-10Listing removed--
2019-10-03Sold$277,500
2018-09-24Listing removed$299,000
2018-06-26Listed for sale$299,000

For Sale by Agent

AgentLinda Rike & Kelinda Rike, Linda Rike Real Estate
BrokerageLinda Rike Real Estate

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