640 Old Pamlico Beach Road, Belhaven, NC, 27810
About This Home
**COASTAL RETREAT WITH WATER VIEWS, POOL, GENERATOR & CARGO LIFT** Move-in ready and designed for easy coastal living, this 2-bedroom, 2-bath home near the Pamlico River delivers comfort, convenience, and standout features. Set on over half an acre, this well-maintained property includes water views and quick access to nearby boat ramps, making time on the water simple and accessible. **Property Highlights:** * Water views with nearby boating access * Private pool for relaxing and entertaining * Whole-home generator for added reliability during storms * Durable metal roof built for long-term use * Cargo lift for easy transport of groceries, luggage, and supplies * Spacious lot with room for outdoor activities or future additions * Clean interior ready for immediate use Built with low-maintenance living in mind, this home supports full-time use, seasonal stays, or income potential. The combination of condition, location, and practical upgrades adds strong appeal in today's coastal market. Enjoy open space, quiet surroundings, and a property that is ready from day one. Homes with this level of upkeep and feature set are becoming harder to find in this area. **A compelling coastal property with valuable features already in place.**
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1997
Materials
- Foundation: Block,Slab
- Roof: Metal
- Construction materials: Block,Vinyl Siding,Wood Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Whole-Home Generator,Walk-in Shower
Heating & Cooling
- Heating features: Wood,Electric,Heat Pump,Wood Stove
- Cooling features: Central Air,Wall/Window Unit(s)
Interior Area
- Total structure area: 1,317
- Total interior livable area: 1,317 sqft
Property
Details
- Parcel number: 7610181229
- Zoning: RES
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Patio & porch: Covered,Deck
- Fencing: None
- Has view: Yes
- View description: Water
- Water view: Water
- Waterfront features: Ocean Front
- Frontage type: Oceanfront
- Living area range: 1200 - 1399
Lot
- Lot size: 0.52 Acres
- Lot size dimensions: 250 x 90 x 250 x 75
Parking
- Total spaces: 3
- Parking features: Gravel
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
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
- Winter Weather
- Coastal Flooding
- Lightning
- Strong Wind
- Heat Wave
- Inland Flooding
- Tornado
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Beaufort County and North Carolina
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,542 | $18,504 |
| Home Insurance * | $175 | $2,100 |
| Property Taxes | $172 | $2,064 |
| Electricity | $200 | $2,405 |
| Total | $2,089 | $25,068 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-14 | Price change | $325,500 |
| 2025-12-26 | Price change | $335,500 |
| 2025-09-07 | Price change | $345,500 |
| 2025-08-29 | Price change | $348,900 |
| 2025-07-04 | Listed for sale | $355,000 |
| 2025-07-01 | Listing removed | $365,000 |
| 2025-03-25 | Price change | $365,000 |
| 2025-01-27 | Listed for sale | $380,000 |
View on Zillow