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.

124 Oyster Ln Unit 22, Garner, NC 27529

House Description

10K BUILDER CONTRIBUTION AVAILABLE with use of preferred lender/attorney. Beautiful Custom Built 3-Story Townhomes in the heart of downtown Garner! Tucked away at the rear of the Pearl- with wooded views and natural privacy! Main Level Living with Upgraded LVP Flooring and unfinished space for potential bedroom/full bath for an in-law suite! Kitchen features Quartz CTops, Custom Painted Cabinetry, Large Center Island w/Barstool Seating & SS Single Bowl Sink, SS Appliances Incl Gas Range, Microwave & Dishwasher & Pantry! Opens to a Spacious Dining Area w/Slider Door to the Rear Grilling Deck! Open Concept Family Room Perfect for Entertaining! 3rd Floor offering Large Primary Suite w/Deluxe Bath offering Tile Flooring, Dual Vanity w/Quartz Top, 12x24 Tile Surround Shower w/Bench & Private Water Closet! 1-Car Rear Entry Garage with ample storage space! Just Minutes to Local Shopping, Dining & Parks!

Highlights

Listed by Jim Allen , 919-645-2114 and Tim Johnson , 919-891-6156 Coldwell Banker HPW , 919-876-8824. Triangle MLS, Inc. of North Carolina mls logo

Property Type

Condo/Townhome

Lot/Acreage

0.04

HOA Fee

80 Monthly

Year Built

2026

County

Wake

Neighborhood

Pearl Street Townhomes

Listing ID

10158713

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms

▪ Bedrooms:3
▪ Bathrooms:3
▪ Full Bathrooms:2
▪ 1/2 Bathrooms:1

Appliances:Dishwasher, Electric Range, Electric Water Heater, Microwave, Plumbed For Ice Maker, Stainless Steel Appliance(s)

Air Cond:Ceiling Fan(s),Central Air,Electric,Zoned

Fireplaces:

Floor:Carpet,Ceramic Tile,Vinyl

Above Ground Sq Ft:1906

Below Ground Sq Ft:0

Other:Bathtub/Shower Combination,Breakfast Bar,Ceiling Fan(s),Crown Molding,Double Vanity,Entrance Foyer,Kitchen Island,Kitchen/Dining Room Combination,Open Floorplan,Quartz Counters,Smooth Ceilings,Walk-In Closet(s),Walk-In Shower,Water Closet

Other:Public

Open House

Upcoming Open Houses

Sunday 11:00 am - 4:00 pm Aug 2

Wednesday 11:00 am - 4:00 pm Aug 5

Thursday 11:00 am - 4:00 pm Aug 6

Friday 11:00 am - 4:00 pm Aug 7

Saturday 11:00 am - 4:00 pm Aug 8

Sunday 11:00 am - 4:00 pm Aug 9

Wednesday 11:00 am - 4:00 pm Aug 12

Thursday 11:00 am - 4:00 pm Aug 13

Friday 11:00 am - 4:00 pm Aug 14

Saturday 11:00 am - 4:00 pm Aug 15

Sunday 11:00 am - 4:00 pm Aug 16

Wednesday 11:00 am - 4:00 pm Aug 19

Thursday 11:00 am - 4:00 pm Aug 20

Friday 11:00 am - 4:00 pm Aug 21

Saturday 11:00 am - 4:00 pm Aug 22

Sunday 11:00 am - 4:00 pm Aug 23

Wednesday 11:00 am - 4:00 pm Aug 26

Thursday 11:00 am - 4:00 pm Aug 27

Friday 11:00 am - 4:00 pm Aug 28

Saturday 11:00 am - 4:00 pm Aug 29

Sunday 11:00 am - 4:00 pm Aug 30

Payment Calculator

Payment Breakdown

Principal Interest

$1,690

Taxes

$209

HOA

$80

Home Price

$328,000

Home Price

Loan Details

30 yrs

6.683%

Interest Rate

Loan Type

Down Payment

20%

$65,600

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:

$1,690.25

Principal

Taxes

HOA