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180 Tate Road, Belhaven, NC, 27810

4beds
3baths
4,947sqft
$990,000
$200price/sqft
$6,560/moest. monthly cost
$262,400/yrincome needed

About This Home

Tucked away on a private, tree-lined drive, this exceptional riverfront retreat in Belhaven offers breathtaking, unobstructed views of the Pungo River, your direct gateway to the Intracoastal Waterway. Thoughtfully positioned to capture the beauty of the water while preserving privacy, the eastern-facing front porch invites peaceful mornings and shaded afternoons, with no direct sun after 11 AM. The deep-water setting is ideal for boating and swimming, complete with a private dock featuring metal hog slats for added stability, a boat lift, and a covered lounge area right on the water. The seawall has been redone, and the property is partially fenced with a custom stone-gated entrance. Outdoor living is elevated with a saltwater concrete pool built above the floodplain, a hot tub with new cover, travertine pavers, and a sail shade that easily extends over the pool and spa. Additional exterior highlights include underground gutters, a mobile generator for essential systems, security cameras, and a lower-level space with epoxy-finished concrete floors, tons of space for all of your games, water toys or make it a party pad! Permitted with appropriate flood vents, and two garage bays ideal for parking or workshop use. Constructed with superior walls from foundation to roof and reinforced with thoughtful structural details, this home was designed for long-term durability and peace of mind. Inside, the home blends craftsmanship and comfort with real hardwood floors, 10-foot ceilings, and curated custom features throughout. The main living area showcases a stunning built-in waterfall feature with a low-maintenance circulation system, while the chef's kitchen is appointed with custom cherry cabinetry, granite countertops, a large island, pantry, gas Wolf cooktop, and a sleek corian sink. A screened kitchen balcony offers a quiet, private escape. The main level also includes a full bath with tile flooring and a well-equipped laundry room with sink and Korean counters. The primary suite is a true sanctuary with panoramic water views, private porch access, blackout blinds, its own mini-split system for efficient nighttime comfort, and a gas fireplace with blower. The en-suite bath features dual vanities, a corian vanity, linen storage, a walk-in tile shower with dual showerheads, and a spacious walk-in closet. Upstairs, three bedrooms are complemented by a highly functional full bath with separate shower, water closet, dual vanity, and skylight, along with an additional office (or optional bedroom, septic is only permitted for 3 bedrooms) and a small charming bunk room with its own thermostat. A custom stained-glass feature accents the staircase, adding a unique architectural touch. The lower level offers a wine cellar that could easily convert to a bathroom, vinyl-beaded walls, and mini-split systems (approximately four years old) for added comfort. The NC Fish and Wildlife boat ramp is just 2.2 miles from the house and most furnishings and boat are available via separate bill of sale, making this a rare opportunity to step into a fully realized waterfront lifestyle.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

6/10
Northeast ElementaryGrades PK-811.1 mi
5/10
Northside HighGrades 9-1211.7 mi

Construction

Condition

  • Year built: 2009

Materials

  • Foundation: Other,Pilings
  • Roof: Shingle,Composition
  • Construction materials: Steel Frame,See Remarks

Type & Style

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

Interior

Appliances

  • Appliances included: Vented Exhaust Fan,Mini Refrigerator,Gas Cooktop,Electric Oven,Built-In Microwave,Washer,Refrigerator,Dryer,Disposal,Dishwasher,Tankless Water Heater
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Sound System,Central Vacuum,Walk-in Closet(s),Solid Surface,Kitchen Island,Ceiling Fan(s),Furnished,Pantry,Walk-in Shower,Blinds/Shades,Walk-In Closet(s)
  • Door features: Thermal Doors
  • Window features: Thermal Windows
  • Flooring: Concrete,Tile,Hardwood

Heating & Cooling

  • Heating features: Propane,Heat Pump
  • Cooling features: Central Air,Multi Units

Interior Area

  • Total structure area: 3,286
  • Total interior livable area: 4,947 sqft

Property

Details

  • Parcel number: 34253
  • Zoning: Residential
  • Special condition: Standard

Features

  • Levels: Two
  • Pool features: Above Ground,See Remarks
  • Patio & porch: Covered,Deck,Patio,Porch,Screened,Front Porch,Side Porch
  • Exterior features: Thermal Doors
  • Fencing: Partial
  • Has view: Yes
  • View description: River,Water
  • Has water view: Yes
  • Water view: River,Water
  • On waterfront: Yes
  • Waterfront features: Pier,Boat Lift,Bulkhead,Waterfront,Water Depth 4+
  • Frontage type: Creek,River
  • Living area range: 3000 - 3499

Lot

  • Lot size: 0.77 Acres
  • Features: Dead End,Boat Slip,Boat Dock,Boat Lift,Bulkhead,Deeded Waterfront,Pier,Water Depth 4+,Secluded
  • Lot size dimensions: .77 acres

Parking

  • Total spaces: 2
  • Parking features: Gravel,Garage6
  • 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
  • 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 $5,005$60,060
Home Insurance *$568$6,816
Property Taxes $527$6,324
Electricity $460$5,529
Total$6,560$78,720
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$224,914/yr
40% on housing$196,800/yr
45% on housing$174,933/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: 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

$200This listing

vs Other Active Listings

Avg $/sqft

ZIP 27810$200
Beaufort County$220

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)

Price History

DateEventPrice
2026-03-27Listed for sale$990,000
2008-06-09Sold$175,000

For Sale by Agent

AgentJoanna Hopkins
BrokerageUnited Real Estate East Carolina

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