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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.

3864 Reserve Club Dr, Southport, NC 28461

House Description

Views of #18 Green on Reserve Course. Situated on the largest homesite in the Reserve Club Cottages, this property offers enhanced outdoor living opportunities and an exceptional setting overlooking the Reserve Club's 18th green. New construction in one of the most sought-after neighborhoods in St. James Plantation, The Reserve. Steps from your door is The Reserve Club, which offers an unrivaled setting in a vibrant community with convenient access. This home boasts 2,767 heated square feet of luxurious living space, including three bedrooms and three baths on the main floor, with upgraded amenities and a custom trim package. The second floor provides one more bedroom and bath, offering a retreat for guests. RiverBrook Builders has carefully crafted these homes with every detail in mind. An Owners' Association is responsible for yard maintenance, leaving you more time to enjoy your new coastal lifestyle. Step inside to discover the elegance of quartz countertops covering every surface, complemented by the warmth of engineered hardwood floors that flow seamlessly from room to room. Indulge your culinary passions in the gourmet kitchen equipped with BOSCH appliances, making meal preparation a pleasure. Included are custom-designed cabinetry with soft-close doors and drawers. The primary suite boasts a zero-entry floor-to-ceiling tiled shower and motion-activated lighting. The architectural shingles, paired with standing-seam metal accents, enhance the exterior's curb appeal and ensure long-lasting durability. Low-E windows, James Hardie fiber-cement siding, fascia, and soffit ensure energy efficiency and durability, while pine tongue-and-groove porch ceilings add a touch of cottage charm. Inside, solid core 8' doors and 10' ceilings on the first floor, custom crown molding, and LED lighting create an ambiance of luxury and sophistication. This home will have an upgraded landscape plan and a rear patio featuring a fire bowl overlooking the 18th green. The seller is offering a $10,000 Introductory social membership to The Clubs at St. James. NOTE: Colors and finishes may vary. Estimated completion May 2027. NOTE: Photos depict a finished home, listed home is unfinished; colors and finishes may vary.

Highlights

Listed by Daniel M Shiels , 704-962-6002 St James Properties LLC , 910-253-3001. Hive MLS mls logo

Property Type

Residential

Lot/Acreage

0.46

HOA Fee

1380 Annually

Year Built

2026

County

Brunswick

Neighborhood

St James

School District

Brunswick County Schools

Listing ID

100584645

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms

▪ Bedrooms:4
▪ Bathrooms:4
▪ Full Bathrooms:4

Appliances:Vented Exhaust Fan, Mini Refrigerator, Gas Cooktop, Built-In Microwave, Self Cleaning Oven, Refrigerator, Ice Maker, Disposal, Dishwasher, Convection Oven, Tankless Water Heater

Air Cond:Zoned,Heat Pump

Fireplaces:Gas Log

Floor:Carpet,Tile,Wood

Other:Master Downstairs,Walk-in Closet(s),Vaulted Ceiling(s),High Ceilings,Entrance Foyer,Mud Room,Solid Surface,Bookcases,Kitchen Island,Ceiling Fan(s),Pantry,Walk-in Shower,Built-in Features,Gas Log,Walk-In Closet(s)

Other:Public

Payment Calculator

Payment Breakdown

Principal Interest

$5,836

Taxes

$722

HOA

$1,380

Home Price

$1,132,500

Home Price

Loan Details

30 yrs

6.683%

Interest Rate

Loan Type

Down Payment

20%

$226,500

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:

$5,836.01

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$5,836.01	$721.97	$1,380.00	$7,937.97
Yearly	$70,032.07	$8,663.63	$16,560.00	$95,255.69
Total	$2,100,962.03	$259,908.75	$496,800.00	$2,857,670.78