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1309 Shepard St, Morehead City, NC 28557 Property Records

Carteret County property record for 1309 Shepard St, Morehead City, NC 28557

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,680 sqft · built 1928
Lot Size0.14 acres (6,098 sqft)
Owner2 Individual Names on Record
Last Sale$532,000 (Apr 2021)
Tax Bill$4,060 (2025)
Deeds & MortgagesApr 2021 Sale & Mortgage
Nov 2019 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN6386.18.40.7718000

Property Details

APN / Parcel Number

Primary APN6386.18.40.7718000
Alternative APNs
  • 548511
  • 55380

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,680 sqft Heated Area
Gross Area2,260 sqft
1st Floor Area1,680 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1928
Effective Year BuiltEffective 1995
Architectural StyleConventional
Exterior MaterialFiber Cement Siding
Foundation TypeBlock
Roof TypeGable
Roof MaterialMetal
Lot Area6,098 sqft (0.14 acres)
Lot Dimensions120 ft deep x 50 ft wide

Exterior Amenities

PorchSlab
Porch Area480 sqft
Deck Area20 sqft
Patio Area240 sqft
Shed1 Shed
Shed Area64 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelOil

Location & Zoning

Account Number55380
Street Address1309 SHEPARD ST
CityMOREHEAD CITY
StateNC
Zip28557-4160
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionL11 B105 MOREHEAD CITY
Legal SubdivisionTOWN OF MOREHEAD CITY
Legal Block40
Legal Lot Number11
JurisdictionCARTERET NC
Township / Civil DivisionMOREHEAD
Census Block Group2
Census Block2071
Census Tract970403

Owner

Source: Carteret County records, as of October 13, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address404 E MAIN ST, JAMESTOWN, NC 27282-9536
Owner TypeIndividual
VestingEt Ux (and Wife)

Deeds, Mortgages & Sale History

DateDocument
Apr 5, 2021Warranty Deed, Transfer · Conventional Mortgage
HOMETRUST BANK
Nov 6, 2019Deed of Trust, Mortgage · Conventional Mortgage
PNC BANK NA
Jan 6, 2017Warranty Deed, Transfer · Conventional with PMI
PNC BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 5, 2021 · Amount on Record
Deed SaleApr 5, 2021 · Amount on Record
Prior SaleJan 6, 2017 · Amount on Record
Deed Document Number20211715410
Deed Book / Page1715 / 410
Record UpdatedOct 29, 2026

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCARTERET NC
Recording DateApr 5, 2021
Property Address1309 SHEPARD ST, MOREHEAD CITY, NC 28557-4160
Document Number0017150410
Book / Page1715 / 410
Map ReferenceMB 1 PG 139
Instrument DateMar 23, 2021
Instrument1715410
Transaction TypeTransfer
Record UpdatedSep 16, 2021
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,064.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1309 SHEPARD ST, 1309, MOREHEAD CITY, NC 28557-4160

Transferred To (Grantee/Buyer)

NameVerified Name
Address404 E MAIN ST, JAMESTOWN, NC 27282-9536

Mortgage

Document Number1715411
DateApr 5, 2021
Instrument1715-411
Lender
NameHOMETRUST BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2051

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCARTERET NC
Property Address1309 SHEPARD ST, MOREHEAD CITY, NC 28557-4160
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyNATIONALLINK

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0016540109
DateNov 6, 2019
Book Page1654/109
Instrument1654109
Lender
NamePNC BANK NA
TypeBank
AddressMIAMISBURG, OH 45342
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2049

January 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCARTERET NC
Recording DateJan 6, 2017
Property Address1309 SHEPARD ST, MOREHEAD CITY, NC 28557-4160
Document Number0015640040
Book / Page00156 / 000040
Instrument DateJan 5, 2017
Transaction TypeTransfer
Record UpdatedAug 14, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$830.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1309 SHEPARD ST MOREHEAD CITY NC 285574160, MOREHEAD CITY, NC 28557-4160

Mortgage

Document Number15640041
DateJan 6, 2017
Book Page001564/000041
Lender
NamePNC BK
TypeBank
AddressMIAMISBURG, OH 45342
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueJan 5, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyCarteret County
MunicipalityMorehead City Town
Unified School DistrictCarteret County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$698,304 (-) Land $271,688 Building $426,616$698,304 (-) Land $271,688 Building $426,616
2025$4,060.00 (+244.94%)$698,304 (+92.23%) Land $271,688 Building $426,616$698,304 (+92.23%) Land $271,688 Building $426,616
2023$363,267 Land $253,125 Building $110,142$363,267 Land $253,125 Building $110,142
2022$1,177.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 140 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies198 units insured
incl. 58 condo units
Nearby Flood Claims60 (1985–2022)
Claims Outside the SFHA19 of 60
Most Recent ClaimJan 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 RiskNot 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 SystemTOWN OF MOREHEAD CITY
serves 18,846 people · EPA ID NC0416015
Water SourceGroundwater
Last State InspectionNov 2025
LeadUnder 1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting5
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 463 locations within half a mile, as of December 31, 2025

ProviderMax 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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