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.

82 Bay Ridge Rd, Harrells, NC 28444

House Description

WATERFRONT LIVING IN BAY TREE LAKES!!! Welcome to this spacious 5-bedroom, 3-bath waterfront home located on a scenic canal in the beautiful, gated community of Bay Tree Lakes offering breathtaking water views and direct canal access, this property is perfect for those seeking both comfort and an active lake lifestyle. The large primary suite serves as private retreat, featuring an en-suite bath and its own screened-in porch overlooking the water -- the perfect place to enjoy your morning coffee or unwind in the evening. In addition to the screened porch, the home offers two open porches, providing multiple spaces to relax and take in the spectacular views. Step outside to your private boat dock, ideal for boating, fishing, or simply enjoying life on the water. The oversized two-car garage provides ample room for vehicles, storage, and hobbies. Residents of Bay Tree Lakes enjoy exceptional community amenities including community pool, clubhouse, playground, basketball and tennis courts, plus much more. This is a rare opportunity to own a canal-front home in a sought-after gated community. Experience peaceful surroundings, abundant amenities, and true waterfront living all in one place. Schedule your private showing today!

Highlights

Listed by Ricky L Price , 919-631-6998 and Janet M Allen , 910-874-4424 White Sand Realty , 910-874-4424. Hive MLS mls logo

Property Type

Residential

Lot/Acreage

0.44

HOA Fee

720 Annually

Year Built

1976

County

Bladen

Neighborhood

Bay Tree Lakes

Listing ID

100557854

Questions about this listing?

Contact Agent

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Payment Breakdown

Principal Interest

$2,448

Taxes

$303

HOA

$720

Home Price

$475,000

Home Price

Loan Details

30 yrs

6.683%

Interest Rate

Loan Type

Down Payment

20%

$95,000

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:

$2,447.77

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$2,447.77	$302.81	$720.00	$3,470.59
Yearly	$29,373.27	$3,633.75	$8,640.00	$41,647.02
Total	$881,198.20	$109,012.50	$259,200.00	$1,249,410.70