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.

101 Spinnaker Street B, Elizabeth City, NC 27909

House Description

Welcome to 101B Spinnaker Street and easy coastal living in Tooley Harbor Villas! Whether you're searching for a primary residence, a second home, or a low maintenance lifestyle close to the water, this beautifully maintained, nearly new home offers the perfect blend of comfort, convenience, and community. Built in 2024 and tucked away on a quiet cul-de-sac in one of Elizabeth City's most desirable waterfront neighborhoods, you'll enjoy community amenities while being just minutes from downtown, the Coast Guard Base, and the NC/VA line. The open concept first floor is filled with natural light and offers a bright, welcoming atmosphere throughout. Large windows, modern lighting, and a sliding glass door create an airy feel while seamlessly connecting the living room, dining area and kitchen. The spacious living area provides plenty of room to relax, while the kitchen serves as the heart of the home with stylish espresso cabinetry, granite countertops, abundant storage, convenient pull out shelving in the lower cabinets, and a large center island with seating. Durable LVP flooring flows throughout the entire first floor, creating a cohesive and low maintenance living space. Upstairs, you'll find three spacious bedrooms and plush carpeting throughout for added warmth and comfort. The primary suite overlooks the community pond and features a tray ceiling, walk-in closet, and a private bath complete with dual vanities and a tiled walk-in shower. Two additional generously sized bedrooms, a full bath, and an upstairs laundry room complete the well designed second floor. Step outside to enjoy the fenced backyard and private concrete patio, offering a comfortable outdoor space for morning coffee, relaxing evenings, or spending time with family and friends. The attached one car garage provides additional storage and parking. Enjoy the benefits of low maintenance ownership, with the HOA handling front and side yard maintenance as well as exterior pressure washing, giving you more time to enjoy everything this waterfront community has to offer.

Highlights

Listed by Tiffany Robertson , 757-642-5579 and Bridgers Realty Team , 252-256-1324 Howard Hanna WEW/EC , 252-338-7653. Hive MLS mls logo

Property Type

Condo/Townhome

Lot/Acreage

0.25

HOA Fee

1620 Annually

Year Built

2024

County

Pasquotank

Neighborhood

Tooley Harbor Villas

Listing ID

100582143

Questions about this listing?

Contact Agent

Payment Calculator

Payment Breakdown

Principal Interest

$1,670

Taxes

$207

HOA

$1,620

Home Price

$324,000

Home Price

Loan Details

30 yrs

6.683%

Interest Rate

Loan Type

Down Payment

20%

$64,800

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:

$1,669.64

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$1,669.64	$206.55	$1,620.00	$3,496.19
Yearly	$20,035.66	$2,478.60	$19,440.00	$41,954.26
Total	$601,069.93	$74,358.00	$583,200.00	$1,258,627.93