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.

490 Bear Tree Creek, Chapel Hill, NC 27517

House Description

Motivated seller. We welcome all offers! Life grows beautifully at 490 Bear Tree, where timeless elegance meets modern comfort in one of the area's most desirable golf course communities. Perfectly positioned along the 5th tee of a prestigious Davis Love III signature course, this exceptional custom home offers refined living with picturesque views and a serene setting. Just moments from Jordan Lake, you'll enjoy convenient access to scenic trails, boating, fishing, and the natural beauty of the outdoors. Designed with both luxury and functionality in mind, the home features a rare first-floor primary suite along with an additional guest bedroom, ideal for multi-generational living or hosting visitors. The gourmet kitchen is a chef's dream, showcasing a stainless steel Viking range, granite countertops, and rich cherry cabinetry. The main level also offers a traditional formal dining room, thoughtfully flexible for today's lifestyle and easily suited as a home office or music room, while an open dining area connects seamlessly with the kitchen and living room, easily accommodating a large dining table, perfect for gatherings both intimate and grand. Upstairs, you'll find two spacious bedrooms, a loft-style office area, and a versatile bonus room that can easily serve as an additional bedroom, gym, or private workspace. The fully finished lower level is truly exceptional, offering a grand family room, a full bedroom suite, an entertainment bar, and a hidden wine cellar, along with a dedicated workshop, perfect for hobbies or additional storage. Outdoor living is just as impressive, with a large screened porch and deck overlooking the beautifully landscaped, fenced backyard, professionally designed for both relaxation and entertaining, ideal for pets, play, or added privacy. Additional highlights include a spacious three-car garage and ample driveway parking. Thoughtfully designed to balance openness with cozy, intimate spaces, this home provides flexibility for every lifestyle. Whether hosting gatherings or enjoying quiet evenings, the versatile floor plan makes everyday living effortless. Conveniently located near shopping, dining, and major commuting routes to Chapel Hill and RTP, this home offers the perfect blend of luxury, comfort, and accessibility.

Highlights

Listed by Ying Zhu , 917-880-7587 Mill House Properties , 919-968-7226. Triangle MLS, Inc. of North Carolina mls logo

Property Type

Residential

Lot/Acreage

0.43

HOA Fee

800 Annually

Year Built

2005

County

Chatham

Neighborhood

The Preserve at Jordan Lake

Listing ID

10154099

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms

▪ Bedrooms:5
▪ Bathrooms:4
▪ Full Bathrooms:4

Appliances:Dishwasher, Disposal, Exhaust Fan, Gas Oven, Gas Range, Microwave, Plumbed For Ice Maker, Washer/Dryer, Water Heater

Air Cond:Central Air

Fireplaces:

Floor:Carpet,Tile,Wood

Above Ground Sq Ft:2917

Below Ground Sq Ft:1999

Basement:Daylight,Finished,Full,Heated,Storage Space,Crawl Space,Walk-Out Access,Workshop

Other:Ceiling Fan(s),Entrance Foyer,Granite Counters,High Ceilings,In-Law Floorplan,Kitchen/Dining Room Combination,Living/Dining Room Combination,Pantry,Master Downstairs,Separate Shower,Storage,Vaulted Ceiling(s),Walk-In Closet(s),Wet Bar,Whirlpool Tub,Wired for Data

Other:Public

Payment Calculator

Payment Breakdown

Principal Interest

$6,055

Taxes

$563

HOA

$800

Home Price

$1,175,000

Home Price

Loan Details

30 yrs

6.683%

Interest Rate

Loan Type

Down Payment

20%

$235,000

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:

$6,055.02

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$6,055.02	$562.69	$800.00	$7,417.71
Yearly	$72,660.20	$6,752.32	$9,600.00	$89,012.52
Total	$2,179,806.08	$202,569.60	$288,000.00	$2,670,375.68