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.

406 Spinnaker St, Elizabeth City, NC 27909

House Description

Welcome home to this beautiful 3-bedroom, 2-bathroom home located in the desirable Tooley Harbor neighborhood! This home features an inviting open-concept floor plan, perfect for everyday living and entertaining. The spacious kitchen offers abundant cabinet space, making meal prep and storage a breeze. Retreat to the generously sized primary suite featuring a large en-suite bathroom and walk-in closet. Need extra space? The finished room over the garage is ideal for a home office, playroom, media room, or guest space. Conveniently located with an easy commute to downtown Elizabeth City, Virginia, and the U.S. Coast Guard Base, this home offers the perfect combination of comfort, space, and location. Don't miss your opportunity to make this wonderful property your new home!

Highlights

Listed by Jennifer Henderson , 252-562-2304 and Matt Henderson , 252-339-3810 REAL Broker LLC , 919-348-2585. Hive MLS mls logo

Property Type

Residential

Lot/Acreage

0.36

HOA Fee

525 Annually

Year Built

2019

County

Pasquotank

Neighborhood

Tooley Harbor

Listing ID

100591495

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms

▪ Bedrooms:3
▪ Bathrooms:2
▪ Full Bathrooms:2

Appliances:Electric Oven, Built-In Microwave, Washer, Refrigerator, Dryer, Disposal, Dishwasher

Air Cond:Central Air

Fireplaces:

Floor:LVT/LVP,Carpet

Other:Master Downstairs,Walk-in Closet(s),Ceiling Fan(s),Blinds/Shades,Walk-In Closet(s)

Other:Public

Payment Calculator

Payment Breakdown

Principal Interest

$1,958

Taxes

$242

HOA

$525

Home Price

$380,000

Home Price

Loan Details

30 yrs

6.683%

Interest Rate

Loan Type

Down Payment

20%

$76,000

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:

$1,958.22

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$1,958.22	$242.25	$525.00	$2,725.47
Yearly	$23,498.62	$2,907.00	$6,300.00	$32,705.62
Total	$704,958.56	$87,210.00	$189,000.00	$981,168.56