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For sale
    • $585,000

    20 Bay Point Road, Merritt, NC 28556

    3beds
    2,399sqft
    : 
    Single Family Residence
    Built in 1998
    1.15 Acres Lot
    $574,900 Zestimate®
    $244/sqft
    $25/mo HOA

    What's special

    Waterfront homeTwo master suitesIncredible viewsLarge closet
    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!
    194 days
    |
    1,087
    |
    69
    |

    Zillow last checked: 7 hours ago

    Listing updated: March 01, 2026 at 04:55pm

    Listed by:

    Tracy P Dowling 888-400-2513,

    Homecoin.com

    Source: Hive MLS,MLS#: 100532392MLS LogoOriginating 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: 9/24/2025
      • Cumulative days on market: 194 days
      • Listing agreement: Exclusive Agency
      • Listing terms: Cash,Conventional,FHA,VA Loan
      • Road surface type: Paved
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        Estimated market value

        $574,900

        $546,000 - $604,000

        $3,095/mo

        Price history

        Price history
        DateEventPrice
        11/21/2025Price change$585,000-1.7%$244/sqft
        Source: Hive MLS #100532392 Report a problem
        10/13/2025Price change$595,000-2.5%$248/sqft
        Source: Hive MLS #100532392 Report a problem
        10/8/2025Price change$610,000-1.6%$254/sqft
        Source: Hive MLS #100532392 Report a problem
        9/24/2025Listed for sale$620,000-2.4%$258/sqft
        Source: Hive MLS #100532392 Report a problem
        8/25/2025Listing removed$635,000$265/sqft
        Source: Hive MLS #100525430 Report a problem
        8/16/2025Listed for sale$635,000+51.6%$265/sqft
        Source: Hive MLS #100525430 Report a problem
        7/15/2024Sold$419,000$175/sqft
        Source: Hive MLS #100451441 Report a problem
        7/10/2024Pending sale$419,000$175/sqft
        Source: Hive MLS #100451441 Report a problem
        6/20/2024Contingent$419,000$175/sqft
        Source: Hive MLS #100451441 Report a problem
        6/20/2024Listed for sale$419,000+99.5%$175/sqft
        Source: Hive MLS #100451441 Report a problem
        4/19/2024Sold$210,000-28.8%$88/sqft
        Source: Public Record Report a problem
        4/4/2019Listing removed$1,350$1/sqft
        Source: Sail/Loft Rentals Report a problem
        4/1/2019Listed for rent$1,350$1/sqft
        Source: Sail/Loft Rentals Report a problem
        10/6/2017Listing removed$1,350$1/sqft
        Source: Sail/Loft Rentals Report a problem
        7/26/2017Listed for rent$1,350$1/sqft
        Source: PAMLICO SOUND REALTY INC. Report a problem
        4/1/2015Listing removed$295,000$123/sqft
        Source: Keller Williams Realty #98051 Report a problem
        2/24/2015Price change$295,000-12.6%$123/sqft
        Source: Keller Williams Realty #98051 Report a problem
        8/17/2014Listed for sale$337,500$141/sqft
        Source: Tidewater Real Estate, Inc. #95776 Report a problem

        Public tax history

        Public tax history
        YearProperty taxesTax assessment
        2025$1,681 $237,980
        2024$1,681 +2.9%$237,980
        2023$1,633 $237,980
        2022$1,633 $237,980
        2021$1,633 $237,980
        2020$1,633 -4%$237,980 -4%
        2019$1,702 $247,997
        2018$1,702 --
        2017$1,702 --
        2016$1,702 --
        2015$1,702 $247,997
        2014$1,702 $247,997
        2013$1,702 --
        2012-- --
        2011-- --

        Find assessor info on the county website

        BuyAbility℠ payment

        Est. payment
        $3,191/mo
        Principal & interest
        $2873
        Property taxes
        $293
        HOA Fees
        $25
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          Climate risks

          Neighborhood: 28556

          Getting around

          0 / 100
          Car-Dependent
          28 / 100
          Somewhat Bikeable

          Nearby schools

          GreatSchools rating
          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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