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.

3005 Pine Bay Ct, Southport, NC 28461

House Description

Welcome to 3005 Pine Bay Court, a stunning custom home perfectly positioned on a scenic pond in the prestigious Reserve neighborhood of St. James Plantation. Meticulously maintained and thoughtfully designed, this exceptional residence offers panoramic water views, abundant natural light, and an effortless blend of luxury, comfort, and privacy. The open floor plan is enhanced by desirable southeastern rear exposure, filling the home with sunshine throughout the day, while engineered hardwood flooring flows throughout the main living areas and bedrooms, adding warmth and timeless elegance. The chef's kitchen is designed for both everyday living and entertaining, featuring a premium Wolf wall oven, gas cooktop, quality appliances, an oversized island, generous workspace, and an open layout that keeps you connected to family and guests. The spacious owner's suite is a private retreat with expansive picture windows overlooking the pond, dual walk-in closets, and a luxurious walk-in shower with dual shower heads. A spectacular four-season sunroom showcases breathtaking pond views and provides the perfect place to enjoy your morning coffee, watch abundant birdlife, fish from your backyard, or simply relax year-round. Upstairs, the generous bonus room with a full bath offers exceptional flexibility as a guest suite, media room, home office, or fourth bedroom, while an enormous walk-in attic provides outstanding storage rarely found in newer homes. The oversized two-car garage includes a 240-volt receptacle, ideal for electric vehicle charging or workshop equipment. Outside, professionally landscaped grounds reflect true pride of ownership and complement the home's tranquil pond-front setting. Enjoy the unparalleled St. James lifestyle with 81 holes of championship golf, tennis and pickleball courts, indoor and outdoor pools, a state-of-the-art fitness center, four clubhouses with dining, a full-service marina featuring wet slips, dry stacks, Beacon 315 Restaurant and Tiki Bar, and a private oceanfront beach club with a pool.

Highlights

Listed by Natalie and Howie Team , 910-477-0311 Discover NC Homes , 910-363-4387. Hive MLS mls logo

Property Type

Residential

Lot/Acreage

0.45

HOA Fee

1380 Annually

Year Built

2018

County

Brunswick

Neighborhood

St James

School District

Brunswick County Schools

Listing ID

100587123

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms

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

Appliances:Gas Cooktop, Built-In Microwave, Built-In Electric Oven, Refrigerator, Dishwasher, Water Purifier

Air Cond:Central Air,Heat Pump

Fireplaces:Gas Log

Other:Master Downstairs,Walk-in Closet(s),Tray Ceiling(s),High Ceilings,Entrance Foyer,Bookcases,Kitchen Island,Ceiling Fan(s),Pantry,Walk-in Shower,Gas Log,Walk-In Closet(s)

Other:Public

Payment Calculator

Payment Breakdown

Principal Interest

$5,153

Taxes

$637

HOA

$1,380

Home Price

$999,999

Home Price

Loan Details

30 yrs

6.683%

Interest Rate

Loan Type

Down Payment

20%

$200,000

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:

$5,153.20

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$5,153.20	$637.50	$1,380.00	$7,170.70
Yearly	$61,838.41	$7,649.99	$16,560.00	$86,048.40
Total	$1,855,152.26	$229,499.77	$496,800.00	$2,581,452.03