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.

1864 Olde Towne Pointe Boulevard, Jacksonville, NC 28546

House Description

Welcome to the highly desired & popular community of Onslow Bay. Brand new construction built by Onslow County's most trusted & preferred builder. Onslow Bay is a hot spot, 3 miles to MCB Camp Lejeune's Piney Green gate, 14 miles to New River Air Station & minutes to area schools, shopping & dining. This beautiful neighborhood is sure to impress, complete with a clubhouse area & community pool.Welcome to the Layne! 3 bedrooms with bonus / 2.5 bathrooms and approx. 1991 heated square feet. The covered front porch is ready to be personalized with your favorite chairs and potted plants. The foyer leads to a spacious 16 x 14 family room with a cozy fireplace topped by a custom mantle. The open kitchen is sure to impress with beautifully staggered flat panel cabinets. Stainless appliances include a smooth top range, dishwasher, and microwave. The kitchen also features a center island AND a pantry. Quaint 12 x 14 breakfast nook. The main level flex room would make a great home office space or playroom. All bedrooms are located on the second floor. The Master suite is 14 x 14 and is accented by a ceiling fan. Complete with a spacious 9 x 7 walk in closet and luxurious master bath. The master bath has a double vanity, separate tub and shower. The second-floor bonus room would make a great second living room space or game room. Separate laundry room. Enjoy entertaining friends on the open patio. 2-car garage. Call today to view! NOTE: Floor plan renderings are similar and solely representational. Measurements, elevations, and specs may vary in final construction. Limited selections for buyer to choose. Call L/A to verify.

Highlights

Listed by Terri Alphin Smith , 910-358-1128 Terri Alphin Smith & Co , 910-565-4154. Hive MLS mls logo

Property Type

Residential

Lot/Acreage

0.22

HOA Fee

375 Annually

Year Built

2026

County

Onslow

Neighborhood

Onslow Bay

School District

Onslow

Listing ID

100561263

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms

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

Appliances:Built-In Microwave, Range, Dishwasher

Air Cond:Central Air

Fireplaces:

Other:Walk-in Closet(s),Tray Ceiling(s),Kitchen Island,Ceiling Fan(s),Pantry,Walk-In Closet(s)

Other:Public

Payment Calculator

Payment Breakdown

Principal Interest

$1,824

Taxes

$226

HOA

$375

Home Price

$354,000

Home Price

Loan Details

30 yrs

6.683%

Interest Rate

Loan Type

Down Payment

20%

$70,800

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:

$1,824.23

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$1,824.23	$225.67	$375.00	$2,424.91
Yearly	$21,890.82	$2,708.10	$4,500.00	$29,098.92
Total	$656,724.56	$81,243.00	$135,000.00	$872,967.56