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.

4387 Polly Gully Ct SE, Southport, NC 28461

House Description

**OWNER FINANCING AVAILABLE!** Don't miss this rare opportunity to own a 0.31-acre homesite in the highly sought-after, gated community of St. James Plantation -- just minutes from the sun-drenched shores of Oak Island and the charming historic waterfront of Southport, NC. Residents enjoy an unmatched lifestyle with access to a championship golf course and clubhouse, a private oceanfront beach club on Oak Island, a full-service marina, fitness center, tennis and pickleball courts, resort-style pool, and miles of scenic walking, biking, and nature trails -- plus a dog park and playground for the whole family. Whether you're ready to break ground on your dream home or seeking a smart investment in one of North Carolina's most prestigious communities, this lot delivers on every front. The seller also has two additional (non-adjoining) Polly Gully lots available -- ask about a package deal and make an even bigger move today!

Highlights

Listed by Steven M Adams , 919-924-3191 Coldwell Banker Sea Coast Advantage , 910-457-6713. Hive MLS mls logo

Property Type

Vacant Land

Lot/Acreage

0.31

HOA Fee

1050 Annually

County

Brunswick

Neighborhood

St James

School District

Brunswick County Schools

Listing ID

100574473

Questions about this listing?

Contact Agent

Payment Calculator

Payment Breakdown

Principal Interest

$825

Taxes

$102

HOA

$1,050

Home Price

$160,000

Home Price

Loan Details

30 yrs

6.683%

Interest Rate

Loan Type

Down Payment

20%

$32,000

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:

$824.51

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$824.51	$102.00	$1,050.00	$1,976.51
Yearly	$9,894.16	$1,224.00	$12,600.00	$23,718.16
Total	$296,824.66	$36,720.00	$378,000.00	$711,544.66