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773 Old Pamlico Beach Road W, Belhaven, NC, 27810

3beds
3baths
1,900sqft
$399,000
$210price/sqft
$2,652/moest. monthly cost
$106,080/yrincome needed

About This Home

Nestled along the shores of the Pamlico River, this waterfront home offers expansive lawn space, mature pines, and panoramic big-water views. The gently sloping backyard leads to a protected riprap shoreline, providing easy access to the waterfront. Inside, you'll find a spacious family room, a large eat-in kitchen, half bath and a first-floor primary ensuite. Upstairs features two nicely sized bedrooms and a full bath. Enjoy the views year-round from the screened porch or entertain on the large rear deck. Whether you're looking for a full-time residence or a weekend getaway, this property offers the opportunity to enjoy boating, fishing, kayaking, and all that waterfront living has to offer.

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 9-1211.6 mi

Construction

Condition

  • Year built: 2000

Materials

  • Foundation: Brick/Mortar,Crawl Space
  • Roof: Architectural Shingle
  • Construction materials: Brick,Fiber Cement,Wood Frame

Type & Style

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

Interior

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Master Downstairs,Eat-in Kitchen

Heating & Cooling

  • Heating features: Propane,Fireplace(s),Electric,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,900
  • Total interior livable area: 1,900 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Other

  • Level: First

Property

Details

  • Parcel number: 33543
  • Zoning: Residential
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Covered,Deck,Screened,Front Porch,Rear Porch,Side Porch
  • Fencing: None
  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: Deeded Water Access,Waterfront
  • Frontage type: River
  • Living area range: 1800 - 1999

Lot

  • Lot size: 0.53 Acres
  • Features: Deeded Water Access,Deeded Waterfront,Navigable Water
  • Lot size dimensions: Irregular

Parking

  • Parking features: Gravel

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 $2,017$24,204
Home Insurance *$229$2,748
Property Taxes $206$2,472
Electricity $200$2,405
Total$2,652$31,824
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,925/yr
40% on housing$79,560/yr
45% on housing$70,720/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

$210This listing

vs Other Active Listings

Avg $/sqft

ZIP 27810$202
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
2026-08-05Price change$375,000
2026-07-24Listed for sale$399,000
2020-11-09Listing removed$299,900
2018-11-15Listed for sale$299,900

For Sale by Agent

AgentAngela Smith
BrokerageENC Pirate Realty Belhaven-Howard Hanna Allen Tate

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