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.

808 Colchester Reef Run, Sneads Ferry, NC 28460

House Description

Step into this luxurious 4 bedroom , 3 full and 1 half bath, 2975 sf Coastal Retreat completed in December 2023, where effortless elegance meets modern comfort. Situated on a .71 acre lot backing up to community property ensuring permanent tranquility. Offering premium updates, and a private backyard resort. Relax by the inviting glow of 2 custom built-in electric fireplaces year round. Offering all the ambiance of a traditional fire with zero mess or maintenance, they serve as the stunning focal point of the spacious family room and the main bedroom. Owner added updates in 2024 include; Heated Inground Pool, Premium LVP Flooring, Glamorous Designer Lighting throughout the home, Professional Coastal Paint, Tropical Landscape (9 Palm Trees), Semi-converted garage featuring LVP flooring, 2 windows added in garage, built in Refrigerator in garage, and stunning chandelier (not a permanent conversion, garage door intact), Custom Crafted Stained Wood 6 foot high fence, and sprinkler system in backyard. And did I mention the Gourmet Kitchen with granite counters, stainless steel appliances, tile backsplash, and upgraded cabinet hardware. Not in a flood zone. Conveniently located minutes to Beaches and Military Bases.

Highlights

Listed by Bonnie Smith , 828-361-5136 Smith Realty Group , 828-361-5136. Hive MLS mls logo

Property Type

Residential

Lot/Acreage

0.71

HOA Fee

325 Annually

Year Built

2023

County

Onslow

Neighborhood

Windpointe

School District

Onslow

Listing ID

100582802

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms

▪ Bedrooms:4
▪ Bathrooms:4
▪ Full Bathrooms:3
▪ 1/2 Bathrooms:1

Appliances:Built-In Microwave, Washer, Refrigerator, Dryer, Dishwasher, Electric Range

Air Cond:Central Air

Fireplaces:

Floor:LVT/LVP,Stone

Other:High Ceilings,Entrance Foyer,Walk-in Shower

Other:County Water

Payment Calculator

Payment Breakdown

Principal Interest

$3,138

Taxes

$388

HOA

$325

Home Price

$609,000

Home Price

Loan Details

30 yrs

6.683%

Interest Rate

Loan Type

Down Payment

20%

$121,800

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:

$3,138.30

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$3,138.30	$388.24	$325.00	$3,851.54
Yearly	$37,659.63	$4,658.85	$3,900.00	$46,218.48
Total	$1,129,788.85	$139,765.50	$117,000.00	$1,386,554.35