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.

442 Winding Creek Dr, Lillington, NC 27546

House Description

WELCOME HOME to this beautifully, designed home that combines comfort, style & convenience. Situated on a .53 acre lot, one of the LARGEST LOTS in the subdivision, enjoy having lots of outdoor space for your family & friends. This house was custom built & boasts MANY EXTRAS. CUSTOM CURBING has been added as a luxury accent & CONCRETE PAD has been added to side of the house, another extra added. Open Floor Plan includes gorgeous kitchen that boasts white cabinets, stainless steel appliances, including DOUBLE OVEN that most houses do not have, QUARTZ countertops & TILE backsplash which flows effortlessly into family room. 3 bedrooms, 2 baths, spacious Bonus room on 2nd level, laundry room, screened porch, and 2 car garage. Luxury vinyl plank flooring is throughout home so no carpet - great for pets & chidren. House EXTRAS include RECESSED LIGHTING, beautiful WOOD TREADS on stairs, EPOXY FLOOR in garage, and UPGRADED LIGHT FIXTURES. Upstairs there Is large area that can be used as BONUS ROOM & a second room that has been plumbed in case new buyers want a bathroom upstairs. The Farms at Neills Creek is new community only 8 min. from downtown Lillington where one can enjoy local restaurants, shopping & everyday conveniences close to home. Moments from Cape Fear River & Lillington River Park one can enjoy weekends kayaking, hiking & all the natural beauty of the area. This communitY is conveniently located just outside the Triangle so commuting to work or planning a day trip to the city is simple & stress free. Raven Rock State Park is only 10 min. away offering scenic landscapes & beautiful views, great hiking/walking trails & picnic areas. NO CITY TAXES & LOW HOA FEES of $50.00 per month. Contact David Cummings, NC Realtor at 910-233-0425 with any questions or to submit an OTP. davidcummingsrealty@gmail.com

Highlights

Listed by Teresa Suitt , 910-890-2521 Intracoastal Realty Corp , 910-509-9700. Triangle MLS, Inc. of North Carolina mls logo

Property Type

Residential

Lot/Acreage

0.53

HOA Fee

600 Annually

Year Built

2025

County

Harnett

Neighborhood

The Farm at Neills Creek

Listing ID

10164448

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms

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

Appliances:Dishwasher, Disposal, Double Oven, Microwave, Refrigerator

Air Cond:Ceiling Fan(s),Central Air,Heat Pump

Fireplaces:

Floor:Vinyl

Above Ground Sq Ft:2340

Below Ground Sq Ft:0

Other:Ceiling Fan(s),Double Vanity,High Speed Internet,Kitchen Island,Kitchen/Dining Room Combination,Quartz Counters,Recessed Lighting,Separate Shower,Storage,Tray Ceiling(s),Walk-In Closet(s)

Other:Public

Payment Calculator

Payment Breakdown

Principal Interest

$2,087

Taxes

$31

HOA

$600

Home Price

$405,000

Home Price

Loan Details

30 yrs

6.683%

Interest Rate

Loan Type

Down Payment

20%

$81,000

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:

$2,087.05

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$2,087.05	$31.43	$600.00	$2,718.48
Yearly	$25,044.58	$377.14	$7,200.00	$32,621.72
Total	$751,337.42	$11,314.20	$216,000.00	$978,651.62