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.

4369 Polly Gully Ct SE, Southport, NC 28461

House Description

Welcome to your private TREE HOUSE! One of the most unique homes in St. James Plantation, this extraordinary custom residence not only comes fully furnished but offers a rare tree house feel unlike anything else in the community, completely surrounded by nature with peaceful wooded views from nearly every room. A charming front porch welcomes you into a thoughtfully designed floor plan filled with warmth, natural light, and exceptional architectural character. The beautifully appointed kitchen features rich cherry cabinetry, granite countertops, stainless steel appliances, and exceptional workspace, creating the perfect setting for both everyday living and entertaining. Just off the foyer, a private office or den and convenient guest half bath provide flexibility and functionality. The spacious Great Room is bright and inviting with extensive trim work, large windows, and a striking two sided fireplace that adds warmth and character to both the living spaces and sunroom. The Sunroom and Carolina Room create a seamless connection to the outdoors, showcasing serene views of nature, mature trees, and abundant birdlife. Step outside to the expansive deck, ideal for relaxing, entertaining, or simply enjoying the peaceful surroundings. The private Owner's Suite offers a true retreat with dual closets, double vanities, and a large tiled glass shower. Upstairs, guests will enjoy two additional bedrooms with walk in closets and a full bath. The lower level offers incredible flexibility with a large heated and cooled flex space, oversized storage area, workshop space, and garage capacity for up to three vehicles. Meticulously maintained, this home also features a newer roof, updated HVAC systems, and numerous additional improvements throughout. Located in one of the most desirable coastal communities in North Carolina, experience the unmatched St. James lifestyle, featuring 81 holes of championship golf, Har-Tru tennis and pickleball, over 35 miles of walking and biking trails, a 475-slip marina, Waterway Park with kayak launch, amphitheater, tiki bar, and a private oceanfront beach club.

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

0.31

HOA Fee

1380 Annually

Year Built

2001

County

Brunswick

Neighborhood

St James

School District

Brunswick County Schools

Listing ID

100571923

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, Electric Cooktop, Built-In Microwave, Refrigerator, Disposal, Dishwasher

Air Cond:Central Air,Zoned

Fireplaces:

Floor:Tile,Wood

Other:Walk-in Closet(s),Vaulted Ceiling(s),High Ceilings,Entrance Foyer,Ceiling Fan(s),Pantry,Walk-in Shower,Blinds/Shades,Walk-In Closet(s)

Other:Public

Payment Calculator

Payment Breakdown

Principal Interest

$4,633

Taxes

$573

HOA

$1,380

Home Price

$899,000

Home Price

Loan Details

30 yrs

6.683%

Interest Rate

Loan Type

Down Payment

20%

$179,800

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:

$4,632.73

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$4,632.73	$573.11	$1,380.00	$6,585.84
Yearly	$55,592.78	$6,877.35	$16,560.00	$79,030.13
Total	$1,667,783.55	$206,320.50	$496,800.00	$2,370,904.05