1109 Shepard St, Morehead City, NC 28557 Property Records

Carteret County property record for 1109 Shepard St, Morehead City, NC 28557

Property Summary

Property Type	Single Family Home
Details	6 bd · 5 ba · 3,260 sqft · built 1995
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$3,400,000 (Jul 2024)
Tax Bill	$19,288 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Jul 2024 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`6386.19.50.5569000`

Property Details

APN / Parcel Number

Primary APN	`6386.19.50.5569000`
Alternative APNs	`10082931` `93411`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,260 sqft Heated Area
Gross Area	2,256 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Fiber Cement Siding
Foundation Type	Pile
Roof Type	Gable
Roof Material	Metal
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	96 ft deep x 50 ft wide

Exterior Amenities

Porch	Porch
Porch Area	48 sqft
Deck Area	25 sqft
Shed	1 Shed
Shed Area	160 sqft
Utility Building	16 sqft
Boat Access	Boat Access
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	10082931
Street Address	1109 SHEPARD ST
City	MOREHEAD CITY
State	NC
Zip	28557-4156
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L5 B101 MOREHEAD CITY
Legal Subdivision	MOREHEAD CITY
Legal Block	50
Legal Lot Number	5
Jurisdiction	CARTERET NC
Township / Civil Division	MOREHEAD
Census Block Group	2
Census Block	2051
Census Tract	970403

Owner

Source: Carteret County records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	216 CHURCHILL DR, GREENVILLE, NC 27858-8922
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jul 10, 2024	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Apr 27, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Apr 6, 2020	Warranty Deed, Transfer HPW TOWNE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2024 · Amount on Record
Deed Sale	Jul 10, 2024 · Amount on Record
Prior Sale	Apr 6, 2020 · Amount on Record
Deed Document Number	20241831219
Deed Book / Page	1831 / 219
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	1109 SHEPARD ST, MOREHEAD CITY, NC 28557-4156
Transaction Type	Mortgage
Record Updated	Dec 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018730458
Date	Dec 17, 2025
Book Page	1873/458
Instrument	1873458

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 13, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Jul 10, 2024
Property Address	1109 SHEPARD ST, MOREHEAD CITY, NC 28557-4156
Document Number	0018310219
Book / Page	1831 / 219
Map Reference	MB 1 PG 139
Instrument Date	Jul 9, 2024
Instrument	1831219
Transaction Type	Transfer
Record Updated	Nov 24, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1001 WADE AVE, RALEIGH, NC 27605-3322

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	216 CHURCHILL DR, GREENVILLE, NC 27858-8922
Investor	Possibly a Property Investor

Mortgage

Document Number	0001831220
Date	Jul 10, 2024
Instrument	1831220

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2031
Change Frequency	Monthly
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	SOFR Average 30-Day
Max Rate	10.8%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	1109 1/2 SHEPARD ST, MOREHEAD CITY, NC 28557-4156
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016060312
Date	Apr 27, 2018
Book Page	1606/312
Instrument	1606312

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	STATESVILLE, NC 28687

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	264 Months
Due	Apr 17, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Apr 6, 2020
Property Address	1109 1/2 SHEPARD ST, MOREHEAD CITY, NC 28557-4156
Document Number	0016680198
Book / Page	001668 / 000198
Instrument Date	Apr 6, 2020
Transaction Type	Transfer
Record Updated	Jun 19, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,400.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2710 CAMBRIDGE RD RALEIGH NC 276081142, RALEIGH, NC 27608-1142

Mortgage

Document Number	16680199
Date	Apr 6, 2020
Book Page	001668/000199

Lender

Name	HPW TOWNE MTG
Address	4515 FALLS OF NEUSE RD # 300, RALEIGH, NC 27609-6290

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.12%

Tax Assessment & Valuation

Source: Carteret County assessment roll, as of November 24, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Carteret County
Municipality	Morehead City Town
Unified School District	Carteret County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$3,381,600 (-) Land $1,489,883 Building $1,891,717	$3,381,600 (-) Land $1,489,883 Building $1,891,717
2025	$19,288.00 (+497.89%)	$3,381,600 (+247.52%) Land $1,489,883 Building $1,891,717	$3,381,600 (+247.52%) Land $1,489,883 Building $1,891,717
2023		$973,064 Land $611,550 Building $361,514	$973,064 Land $611,550 Building $361,514
2022	$3,226.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 140 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	198 units insured incl. 58 condo units
Nearby Flood Claims	60 (1985–2022)
Claims Outside the SFHA	19 of 60
Most Recent Claim	Jan 2022 · tidal / storm surge
Claims by Event	Hurricane Florence, Sep 2018 · 25 claims Hurricane Fran, Sep 1996 · 7 claims Hurricane Bertha, Jul 1996 · 7 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF MOREHEAD CITY serves 18,846 people · EPA ID NC0416015
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	5 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 325 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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