Carteret County property record for 1305 Shepard St, Morehead City, NC 28557
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,085 sqft · built 2020 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $220,000 (Jan 2019) |
| Tax Bill | $4,894 (2025) |
| Deeds & Mortgages | Nov 2019 Construction Loan Dec 2020 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 6386.18.40.8717000 |
| Primary APN | 6386.18.40.8717000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,085 sqft Heated Area |
| Gross Area | 1,974 sqft |
| 1st Floor Area | 1,130 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Conventional |
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 120 ft deep x 50 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 386 sqft |
| Deck Area | 60 sqft |
| Shed | 1 Shed |
| Shed Area | 392 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 45327 |
|---|---|
| Street Address | 1305 SHEPARD ST |
| City | MOREHEAD CITY |
| State | NC |
| Zip | 28557-4160 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L13 B105 MOREHEAD CITY |
| Legal Block | 40 |
| Legal Lot Number | 13 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 2 |
| Census Block | 2071 |
| Census Tract | 970403 |
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 | 1305 SHEPARD ST, MOREHEAD CITY, NC 28557-4160 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Nov 13, 2019 | Deed of Trust, Mortgage · Construction Mortgage FIRST BANK |
| Dec 18, 2020 | Loan Modification, Mortgage FIRST BK |
| Jan 22, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 22, 2019 · Amount on Record |
| Deed Sale | Jan 22, 2019 · Amount on Record |
| Deed Document Number | 20191628101 |
| Deed Book / Page | 1628 / 101 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 1305 SHEPARD ST, MOREHEAD CITY, NC 28557-4160 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0016540399 |
|---|---|
| Date | Nov 13, 2019 |
| Book Page | 1654/399 |
| Instrument | 1654399 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | TROY, NC 27371 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Dec 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 1305 SHEPARD ST, MOREHEAD CITY, NC 28557-4160 |
| Document Number | 0017030290 |
| Instrument Date | Dec 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1305 SHEPARD ST MOREHEAD CITY NC 285574160, MOREHEAD CITY, NC 28557-4160 |
| Document Number | 0017030290 |
|---|---|
| Date | Jan 11, 2021 |
| Book Page | 001703/000290 |
| Name | FIRST BK |
|---|---|
| Type | Bank |
| Address | GREENSBORO, NC 27401 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 10, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Jan 22, 2019 |
| Property Address | 1305 SHEPARD ST, MOREHEAD CITY, NC 28557-4160 |
| Document Number | 0016280101 |
| Book / Page | 001628 / 000101 |
| Instrument Date | Jan 15, 2019 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $440.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | PO BOX 805 MOREHEAD CITY NC 285570805, MOREHEAD CITY, NC 28557-0805 |
Source: Carteret County assessment roll, as of November 24, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Carteret County |
| Municipality | Morehead City Town |
| Unified School District | Carteret County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $845,274 (-) Land $271,688 Building $573,586 | $845,274 (-) Land $271,688 Building $573,586 | |
| 2025 | $4,894.00 (+219.24%) | $845,274 (+83.68%) Land $271,688 Building $573,586 | $845,274 (+83.68%) Land $271,688 Building $573,586 |
| 2023 | $460,179 Land $253,125 Building $207,054 | $460,179 Land $253,125 Building $207,054 | |
| 2022 | $1,533.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 463 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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