Is the housing market going to crash?

We have seen every market cycle since 2007. The Fort Mill and Charlotte metro market has shown consistent resilience and population-driven demand. We are happy to walk you through current conditions and what they mean for your specific situation.

Should I buy now or wait for interest rates to drop?

Timing the market is nearly impossible. We focus on your personal timeline, your equity position, and your goals. In most cases, waiting costs more than acting — but we will give you a straight answer based on your numbers, not a sales pitch.

What is it like to live in Fort Mill, South Carolina?

Fort Mill consistently ranks among the best places to live in the Carolinas. Strong schools, low taxes, easy access to Charlotte, and a genuine community feel. We live here — Mike's family of eight calls this area home — so we can give you a real answer, not a brochure.

How do I win in a multiple-offer situation?

Preparation, speed, and presentation. We coach our buyers on exactly how to structure a competitive offer — and our track record of over 2,200 closings means we know what sellers and their agents respond to.

What is the difference between Fort Mill and Rock Hill?

Both are in York County and offer tremendous value compared to Charlotte. Fort Mill tends to attract younger families drawn by the school system and newer developments. Rock Hill has a more established urban core, a strong university presence, and is undergoing significant revitalization. We work both markets daily and can help you find the right fit.

Do you work with active adult or 55+ communities?

Yes — this is one of our specialties. We have deep experience in Sun City Carolina Lakes, Four Seasons at Gold Hill, Carolina Orchards, and Brook Run. We know these communities from the inside and can help buyers and sellers navigate them confidently.

Do you work with veterans and VA loans?

Absolutely. Mike is a Marine Corps veteran and KW Military Ambassador. Supporting fellow veterans is personal for us. We understand VA transactions and are proud to serve those who served.

1080 Saint Joseph Street Apt 1e, Carolina Beach, NC 28428

House Description

Experience the best of Carolina Beach living in this beautifully updated furnished 2-bedroom, 2-bath condo, ideally situated within the highly sought-after Harbor Oaks community. This property offers an inviting blend of comfort and modern elegance, all while overlooking the serene pool and picturesque harbor from the 30 foot balcony. With a perfect balance of lifestyle and convenience, this condo is the perfect retreat for beach lovers and outdoor enthusiasts alike. Step inside to discover a bright and airy living space, featuring new luxury vinyl flooring. The updated kitchen has leathered granite countertops, stainless steel appliances, and soft-close cabinets that provide both style and functionality. The two spacious bedroom Freshly painted walls and abundant natural light complete the interior's inviting atmosphere. Harbor Oaks is not just a condo but a lifestyle. The building has undergone significant upgrades, including a new roof installed in 2021 and modernized elevators added in 2023. Residents can enjoy a new luxurious pool area that features a fire table and an outdoor kitchen, ideal for entertaining or relaxing with friends. Additional amenities include onsite management, key fob entry for added security, bike and kayak storage, a dog park, golf cart charging stations, and a convenient trash chute. Owning a condo at Harbor Oaks also provides the opportunity to lease or purchase a membership to the private marina! Embrace the coastal charm and community spirit of Carolina Beach while enjoying the array of features and amenities this exceptional condo has to offer. This property represents a unique opportunity to own a piece of paradise in one of North Carolina's most desirable beach destinations.

Highlights

Listed by Shelley M Steele , 910-262-3778 Coldwell Banker Sea Coast Advantage-CB , 910-458-4401. Hive MLS mls logo

Property Type

Condo/Townhome

HOA Fee

7287.69 Annually

Year Built

1983

County

New Hanover

Neighborhood

Harbor Oaks Condominiums

School District

New Hanover

Listing ID

100560958

Questions about this listing?

Contact Agent

Payment Calculator

Payment Breakdown

Principal Interest

$3,118

Taxes

$386

HOA

$7,288

Home Price

$605,000

Home Price

Loan Details

30 yrs

6.683%

Interest Rate

Loan Type

Down Payment

20%

$121,000

Down Payment

Down Payment %

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:

$3,117.69

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$3,117.69	$385.69	$7,287.69	$10,791.07
Yearly	$37,412.27	$4,628.25	$87,452.28	$129,492.80
Total	$1,122,368.24	$138,847.50	$2,623,568.40	$3,884,784.14