WATERFRONT HOME, 4 bedrooms, Two master suites with a Downstairs Master! Appraised for $675,000 on 8/13/25! GREAT SHORT TERM RENTAL POTENTIAL!! Located on the Bay River with your own personal dock taking you out over the water. The views are endless in this tastefully updated and mostly furnished home. This 4 bedroom, 3.5 bath home has two master bedrooms enhanced with king sized furniture that convey, one downstairs with its own private ensuite, a large closet and small sitting area and one upstairs with a private balcony overlooking the water as well as a private sitting area for winding down in the evenings. The second floor master has two large closets in the master bath and plenty of space for linens and other storage needs. There are two more bedrooms upstairs, facing the front of the house, is the bunk bedroom with space enough for the bunk beds and a full size bed. The queen room faces the rear of the house and has a water view. With endless options for entertaining, this 2,399 sq ft home, has two ample sized living rooms, a flex space/dinning room and outdoor living space in the backyard, making it ideal. Low cost flood insurance is transferable, easy access to big water from the Bay River, leading to the Neuse, Pamlico Sound and ICW. The dock has a 16,000 lb boat lift, but needs to be repaired to make it fully functional. There is a private community boat ramp included for use of residents of Bay Shore Estates. The HOA has approved a 30x40 detached metal garage. Shops, restaurants and groceries nearby in Oriental or Bayboro. New Bern is just a short 35 minute drive. This home is a must see, incredible views, peaceful neighborhood and turn key... Just bring your suitcase!
For sale
Price cut: $10K (11/21)
$585,000
20 Bay Point Road, Merritt, NC 28556
3beds
2,399sqft
Est.:
Single Family Residence
Built in 1998
1.15 Acres Lot
$577,600 Zestimate®
$244/sqft
$25/mo HOA
What's special
Waterfront homeTwo master suitesPersonal dockPrivate balconyDownstairs masterPrivate ensuiteOutdoor living space
- 90 days |
- 702 |
- 49 |
Zillow last checked: 8 hours ago
Listing updated: December 05, 2025 at 12:22pm
Listed by:
Tracy P Dowling 888-400-2513,
Homecoin.com
Source: Hive MLS,MLS#: 100532392
Originating MLS: Cape Fear Realtors MLS, Inc.
Originating MLS: Cape Fear Realtors MLS, Inc.Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Rooms
- Room types: Master Bedroom, Bedroom 3, Bedroom 4, Dining Room, Den, Family Room, Laundry
Primary bedroom
- Description: Private walk out balcony
- Level: Second
Primary bedroom
- Level: Main
Bedroom 3
- Description: Bunk room, fits bunk beds and a full size bed
- Level: Second
Bedroom 4
- Description: Queen Bed with chest of drawers
- Level: First
Den
- Description: Used as a game room, could be a dinning room or 2nd livingroom
- Level: Main
Dining room
- Description: Could be a flex space, workout area, dinning room, office...
- Level: Main
Family room
- Description: Exterior door leading out to back deck
- Level: Main
Kitchen
- Description: Open kitchen to family room
- Level: Main
Laundry
- Level: Second
Heating
- Heat Pump, Natural Gas
Cooling
- Central Air
Appliances
- Included: Electric Cooktop, Built-In Microwave, Refrigerator, Dishwasher
- Laundry: Laundry Room
Features
- Walk-in Closet(s), Ceiling Fan(s), Furnished, Walk-in Shower, Walk-In Closet(s)
- Flooring: Vinyl, See Remarks
- Attic: Pull Down Stairs
- Furnished: Yes
Interior area
- Total structure area: 2,399
- Total interior livable area: 2,399 sqft
Property
Parking
- Parking features: Circular Driveway, Lighted
- Has uncovered spaces: Yes
Features
- Levels: Two
- Stories: 2
- Patio & porch: Covered, Deck, Porch, Balcony
- Pool features: None
- Fencing: None
- Has view: Yes
- View description: Water
- Water view: Water
- Waterfront features: Boat Lift, Boat Ramp, Bulkhead, Deeded Water Access, Waterfront, Water Access Comm, Water Depth 4+
Lot
- Size: 1.15 Acres
- Dimensions: 50 x 516.98 404.33 x 164.21
- Features: Cul-De-Sac, Wooded, Boat Dock, Boat Lift, Boat Ramp, Bulkhead, Deeded Water Access, Deeded Waterfront, Water Access Comm, Water Depth 4+
Details
- Parcel number: J043314
- Zoning: Res
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Vinyl Siding
- Foundation: Crawl Space
- Roof: Shingle
Condition
- New construction: No
- Year built: 1998
Utilities & green energy
- Utilities for property: Other
Community & HOA
Community
- Subdivision: Bay Shore Estates
HOA
- Has HOA: Yes
- Amenities included: Boat Dock, Ramp
- HOA fee: $300 annually
- HOA name: Bay shores estates
- HOA phone: 555-5555
Location
- Region: Merritt
Financial & listing details
- Price per square foot: $244/sqft
- Tax assessed value: $237,980
- Annual tax amount: $1,680
- Date on market: 9/12/2025
- Cumulative days on market: 90 days
- Listing agreement: Exclusive Agency
- Listing terms: Cash,Conventional,FHA,VA Loan
- Road surface type: Paved
Estimated market value
$577,600
$549,000 - $606,000
$2,664/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 11/21/2025 | Price change | $585,000-1.7%$244/sqft |
Source:  Hive MLS #100532392 Report a problem | ||
| 10/13/2025 | Price change | $595,000-2.5%$248/sqft |
Source: Hive MLS #100532392 Report a problem | ||
| 10/8/2025 | Price change | $610,000-1.6%$254/sqft |
Source: Hive MLS #100532392 Report a problem | ||
| 9/24/2025 | Listed for sale | $620,000-2.4%$258/sqft |
Source: Hive MLS #100532392 Report a problem | ||
| 8/25/2025 | Listing removed | $635,000$265/sqft |
Source: Hive MLS #100525430 Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $1,681 +2.9% | $237,980 |
| 2023 | $1,633 | $237,980 |
| 2022 | $1,633 | $237,980 |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$3,329/mo
Principal & interest
$2806
Property taxes
$293
Other costs
$230
Climate risks
Neighborhood: 28556
Nearby schools
GreatSchools rating
- 3/10Fred A Anderson Elementary SchoolGrades: 4-5Distance: 6.2 mi
- 9/10Pamlico County Middle SchoolGrades: 6-8Distance: 5.2 mi
- 6/10Pamlico County High SchoolGrades: 9-12Distance: 6.2 mi
Schools provided by the listing agent
- Elementary: Pamlico County Primary
- Middle: Pamlico County
- High: Pamlico County
Source: Hive MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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