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220 Pungo Shores Drive, Belhaven, NC, 27810

7beds
7baths
9,545sqft
$3,250,000
$340price/sqft
$20,427/moest. monthly cost
$817,080/yrincome needed

About This Home

Stunning luxury waterfront estate on 5.5 acres with over 1,100 feet of frontage on the Pungo River. This 7,500 sq ft home features high-end finishes, hardwood floors, and breathtaking views, plus a 2,100 sq ft guest house. Enjoy a pier with boat lifts, tennis court, and direct access to the ICW. Located between historic Bath and charming Belhaven--this is coastal living at its finest.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

6/10
Northeast ElementaryGrades PK-87.3 mi
5/10
Northside HighGrades 9-128.3 mi

Construction

Condition

  • Year built: 2000

Materials

  • Foundation: Block
  • Roof: Architectural Shingle
  • Construction materials: See Remarks,Brick,Stone

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Range
  • Laundry features: Laundry Closet

Basement

  • Basement: None

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedroom5

  • Level: Second

Bedroom6

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 7
  • Full bathrooms: 7

Breakfast Room

  • Level: First

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • High Ceilings,Elevator,Wet Bar
  • Door features: Storm Door(s)
  • Window features: Storm Window(s)
  • Flooring: Tile,Wood
  • Attic: Access Only

Heating & Cooling

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

Interior Area

  • Total structure area: 9,545
  • Total interior livable area: 9,545 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Other

  • Level: Second

Other

  • Level: First

Other

  • Level: First

Property

Accessibility

  • Accessibility features: Exterior Wheelchair Lift,Accessible Elevator Installed

Details

  • Parcel number: 45634
  • Zoning: None
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Patio,Porch,Balcony
  • Exterior features: Storm Doors
  • Fencing: Partial,Vinyl
  • Has view: Yes
  • View description: ICW,River
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: Boat Lift,Waterfront,ICW Front
  • Frontage type: River,ICW Front
  • Living area range: 9500 - 10000

Lot

  • Lot size: 5.50 Acres
  • Features: Level,Boat Dock,Boat Lift,Deeded Waterfront
  • Lot size dimensions: 260' x 691'

Parking

  • Total spaces: 3
  • Parking features: Circular Driveway,Asphalt,On Site
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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
  • Winter Weather
    Winter WeatherVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Winter Weather
Coastal Flooding
Lightning
Strong Wind
Heat Wave
Inland Flooding
Tornado
Tsunami

FEMA Declared Disasters in Beaufort 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 $16,433$197,196
Home Insurance *$1,865$22,380
Property Taxes $1,240$14,880
Electricity $889$10,668
Total$20,427$245,124
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$700,354/yr
40% on housing$612,810/yr
45% on housing$544,720/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: 5.2%
5.2%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.2%
-1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$340This listing

vs Other Active Listings

Avg $/sqft

ZIP 27810$188
Beaufort County$218

vs Homes Sold Last Month

Median $/sqft

ZIP 27810
Beaufort County$166

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
2026-03-18Price change$3,250,000
2026-03-13Listed for sale$585,000

For Sale by Agent

AgentChristopher H. Respess
BrokerageUnited Country Respess Real Estate

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