Have you looked into the area in and around New Bern, NC? There are numerous neighborhoods where you can dock your boat in your backyard.
We have a second home there, in a waterfront neighborhood called Fairfield Harbour. It was developed in the 1970s, originally as a retirement community, but it's turned out to be attractive to younger families too. I think you'll find it meets your criteria. Hundreds of deep-draft boats are tied up behind owners' homes there. It's a pretty good "hurricane hole". Via the Neuse River, we have access to the NC sounds and the Atlantic. We've had up to a 42' sailboat there, and currently keep a 34' Mainship Pilot.
There are plenty of waterfront homes under 500K. Ours is a modest 3 bedroom "California Ranch" style, built in the 80's, with about 110' of canal waterfront. But there are many larger/newer homes on the water too.
Just be sure to study the surveys and flood elevations. Many homes were built on low-lying areas that may flood during hurricanes. Ours has never flooded, though it came awfully close during the record-breaking floods of Hurricane Florence.
For example, this one appears to be on good elevation:
Good luck, and enjoy the search! Happy to answer any other questions.
M/V Island Time