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.

44 Formby, Rocky Mount, NC 27804

House Description

TO BE BUILT NEW CONSTRUCTION co-marketed with Caruso Homes on a beautiful FAIRWAY LOT in Belmont Lake Preserve - a premier Rocky Mount Community centered around an 80 acre lake with an 18 hole championship golf course and club house featuring indoor and outdoor pools. This listing features the Tillery, a single-level 3-bedroom, 2.5 bath home with an open layout ideal for both daily living and entertaining. The kitchen offers a large island and walk-in pantry and flows into the dining room and family room. The owners suite is privately located at the rear with a walk-in closet and tiled bath. The 3rd bedroom offers flexibility and can serve as a home office or guest room. Popular options for this plan include adding a screened-in porch, gourmet kitchen, 2nd floor addition or converting the powder room into a full 3rd bathroom. Buyers may also select from other Caruso Homes floorplans that are compatible with the lot. Final pricing will vary depending on the chosen model, elevation, selected options and lot finishing costs. Pricing will vary based the chosen plan, elevation and options. Photos are representative only and may show options not included in the base price. The price shown includes the base home, the lot, and estimated lot finishing costs only. Builder tie-in is non-exclusive.

Highlights

Listed by Kay Owen , 252-904-1434 True Local Realty , 252-955-1350. Hive MLS mls logo

Property Type

Residential

Lot/Acreage

0.48

HOA Fee

1491 Annually

Year Built

2025

County

Nash

Neighborhood

Belmont Lake Preserve

Listing ID

100518940

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms

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

Appliances:Electric Oven, Built-In Microwave, Dishwasher

Air Cond:Central Air,Heat Pump

Fireplaces:

Other:Master Downstairs,Walk-in Closet(s),Kitchen Island,Walk-in Shower,Walk-In Closet(s)

Other:Public

Payment Calculator

Payment Breakdown

Principal Interest

$2,061

Taxes

$255

HOA

$1,491

Home Price

$399,900

Home Price

Loan Details

30 yrs

6.683%

Interest Rate

Loan Type

Down Payment

20%

$79,980

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:

$2,060.77

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$2,060.77	$254.94	$1,491.00	$3,806.70
Yearly	$24,729.20	$3,059.24	$17,892.00	$45,680.44
Total	$741,876.13	$91,777.05	$536,760.00	$1,370,413.18