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Dream Team United

| Dream Team United | Keller Williams Connected | PLACE

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427 Bay Shores Rd , Merritt, NC 28556
$398,500
Est. Payment: $2,053.55/mo
3 Bed
2 Bath
2156 Sqft
Status: active | Days on site: 70
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

A Private Coastal Retreat on 10.77 Acres. Nestled within the peaceful setting of Bay Shores Estates, this remarkable 10.77-acre property offers the rare combination of privacy, comfort, and the relaxed coastal lifestyle that defines life in Pamlico County. A welcoming front porch introduces the home's warm and inviting character. Inside, the thoughtful floor plan blends classic charm with comfortable living. A formal dining room with rich wood flooring provides an elegant space for gatherings, while the spacious living room features a gas log fireplace and opens to a screened porch just off the living room and kitchen--an ideal place to enjoy quiet mornings or evening breezes overlooking the surrounding landscape. The primary bedroom is conveniently located on the first floor and adjoins an en-suite bath, with direct access to the laundry area and mud room for everyday ease. Upstairs, two additional bedrooms and a full bath offer comfortable accommodations for family and guests. The kitchen is equipped with stainless appliances, including a Samsung refrigerator, GE dishwasher, and GE range, complemented by solid surface countertops designed for both durability and style. A detached double garage provides excellent space for vehicles, storage, or hobbies and includes two gas heaters, air conditioning, and a hot water heater. The finished upper level features a full bath, sink, and microwave, offering flexible space for a variety of uses. Additional highlights include a metal roof installed approximately two years ago, tile flooring in the den, and carpeted bedrooms. Owners in Bay Shores Estates also have access to a deeded boat slip through the neighborhood boat owners association. While the slips currently require rebuilding, the association offers the opportunity for future boating access to the beautiful waters of Pamlico Sound. With expansive acreage, inviting living spaces, and boating potential, this special property offers a rare opportunity to enjoy the natural beauty and tranquility of Merritt, North Carolina.

Highlights

Listed by Suzanne Gwaltney , 252-670-3797 Century 21 Sail/Loft Realty , 252-249-1787. Hive MLS mls logo

Property Type

Residential

Lot/Acreage
10.77

HOA Fee

330 Annually

Year Built

1998

County

Pamlico

Neighborhood

Bay Shore Estates

Listing ID

100574092

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Washer, Refrigerator, Dryer, Dishwasher, Electric Range
Air Cond:Central Air,Heat Pump
Fireplaces:Gas Log
Floor:Carpet,Vinyl,Hardwood
Other:Master Downstairs,Entrance Foyer,Gas Log
Other:County Water

Exterior Features

Lot:Wooded,Boat Slip,Fencing: None,Outside City Limits
Lot Dimensions:Irregular
Garage Capacity:2
Zoning:residential
Roof:Metal
Parking Features:Circular Driveway,Unpaved,Garage,Has Garage
Principal Interest
$2,054
Taxes
$254
HOA
$330

Home Price

$398,500

Loan Details

30 yrs
6.683%

Down Payment

20%
$79,700
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,053.55

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,053.55 $254.04 $330.00 $2,637.60
Yearly $24,642.63 $3,048.53 $3,960.00 $31,651.16
Total $739,278.91 $91,455.75 $118,800.00 $949,534.66

Today's Rates

30 Year

6.68%

20 Year

6.55%

15 Year

6.13%

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Market insight data is pulled from the same city as the listing being viewed (Merritt, NC).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Hive MLS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-01T21:50:36.000Z

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