Carteret County property record for 2011 Shepard St, Morehead City, NC 28557
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,884 sqft · built 1993 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $3,775,000 (Dec 2024) |
| Tax Bill | $18,950 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Nov 2018 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 6386.17.10.6959000 |
| Primary APN | 6386.17.10.6959000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,884 sqft Heated Area |
| Gross Area | 1,944 sqft |
| 1st Floor Area | 44 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Contemporary |
| Exterior Material | Wood |
| Foundation Type | Wood |
| Roof Type | Gambrel |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 84 sqft |
| Deck Area | 72 sqft |
| Boat Access | Boat Access |
| Boat Lift | Boat Lift |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 76887 |
|---|---|
| Street Address | 2011 SHEPARD ST |
| City | MOREHEAD CITY |
| State | NC |
| Zip | 28557-3948 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L6 10 EAST 1/2 L8 B119 |
| Legal Subdivision | TOWN MOREHEAD CITY |
| Legal Block | 10 |
| Legal Lot Number | 6,10,8 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 2 |
| Census Block | 2055 |
| Census Tract | 970403 |
2011 Shepard St is owned by two individuals who bought it in December 2024.
Source: Carteret County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5071 LANGLEY CIR, RALEIGH, NC 27609-5139 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 7, 2026 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO |
| Nov 28, 2018 | Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN |
| May 31, 2017 | Warranty Deed, Transfer · ARM AFFILIATED MORTGAGE SERVICES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 2024 · Amount on File |
| Deed Sale | Dec 18, 2024 · Amount on File |
| Prior Sale | May 31, 2017 · Amount on File |
| Deed Document Number | 20241844201 |
| Deed Book / Page | 1844 / 201 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Aug 7, 2026 |
| Property Address | 2011 SHEPARD ST, MOREHEAD CITY, NC 28557-3948 |
| Document Number | 0001893359 |
| Book / Page | 1893 / 359 |
| Instrument Date | Aug 6, 2026 |
| Instrument | 20261893359 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 5071 LANGLEY CIR, RALEIGH, NC 27609-5139 |
| Document Number | 0001893359, |
|---|---|
| Date | Aug 7, 2026 |
| Book Page | 1893/359 |
| Instrument | 20261893359 |
| Name | WELLS FARGO |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.13% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 2011 SHEPARD ST, MOREHEAD CITY, NC 28557-3948 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0016240179 |
|---|---|
| Date | Nov 28, 2018 |
| Book Page | 1624/179 |
| Instrument | 1624179 |
| Name | UNITED STATES SMALL BUSINESS ADMIN |
|---|---|
| Type | Government Agency |
| Address | BIRMINGHAM, AL 35203 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 22, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | May 31, 2017 |
| Property Address | 2011 SHEPARD ST, MOREHEAD CITY, NC 28557-3948 |
| Document Number | 0015770221 |
| Book / Page | 1577 / 221 |
| Map Reference | MB1 PG139 |
| Instrument Date | May 31, 2017 |
| Instrument | 1577221 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,900.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3603 WILDFLOWER DR, 3603, GREENSBORO, NC 27410-8854 |
| Name | Verified Name |
|---|---|
| Address | 2011 SHEPARD ST, MOREHEAD CITY, NC 28557-3948 |
| Document Number | 1577222 |
|---|---|
| Date | May 31, 2017 |
| Instrument | 1577222 |
| Name | AFFILIATED MORTGAGE SERVICES |
|---|---|
| Type | Lending Institution |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Jun 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9% |
| Index | 1-Year LIBOR |
| Max Rate | 9% |
The 2025 property tax bill for 2011 Shepard St was $18,950.
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 | $3,321,967 (-) Land $1,500,005 Building $1,821,962 | $3,321,967 (-) Land $1,500,005 Building $1,821,962 | |
| 2025 | $18,950.00 | $3,321,967 Land $1,500,005 Building $1,821,962 | $3,321,967 Land $1,500,005 Building $1,821,962 |
| 2023 | $1,089,103 Land $759,375 Building $329,728 | $1,089,103 Land $759,375 Building $329,728 | |
| 2022 | $3,609.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 2011 Shepard St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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.
The area around 2011 Shepard St has no burnable land within ember reach, so its wildfire risk is not rated.
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 53 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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