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.

4405 Bluffan Ct SE, Southport, NC 28461

House Description

Best Value in St James | Exceptional home with ICF Construction (Insulated Concrete Form)-Ensuring Durability and Energy Efficiency | 5-Star EPA Energy Certificate | New Roof 2018 | New Heat Pump HVAC 2017 | Fresh Paint | Coastal Casual Chic Color Scheme | Ready for New Happy Home Owners | Desirable Cu de Sac Location in The Marina District | Hardwood Floors | Stainless Appliances | Bosch Dishwasher, Kitchen Aide Side by Side Fridge, Gas Stove | Granite | Built in Wine Rack | Encapsulated Crawl on Concrete Floor accessed through the Garage | 50 AMP Generator plug for Easy Hook Up | Screened in Back Porch | Private Level Back Yard | Well for Irrigation | Membership is Inactive | Termination of Contract on May 29th was no fault of the Seller | All St James residents enjoy 4 security gates, gated private beach club with showers and a pool on the Atlantic Ocean. 475 Slip Marina including Restaurant and Tiki Bar, Apothecary, shopping. Being a resident offers the opportunity to join the private clubs. That includes 4 country clubs, 81 holes of golf, 4 more pools, 6 restaurants, 3 gyms, Har Tru State Championship tennis, pickleball, croquet. Enjoy the lifestyle today! Come see why St James has been the number 1 Coastal Community in the Carolinas for 20 years!

Highlights

Listed by Debi L Gallo , 704-491-4640 St James Properties LLC, Marina Office , 910-253-3001. Hive MLS mls logo

Property Type

Residential

Lot/Acreage

0.39

HOA Fee

1380 Annually

Year Built

2003

County

Brunswick

Neighborhood

St James

School District

Brunswick County Schools

Listing ID

100536208

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms

▪ Bedrooms:3
▪ Bathrooms:2
▪ Full Bathrooms:2

Appliances:Gas Cooktop, Built-In Microwave, Washer, Refrigerator, Ice Maker, Dryer, Disposal, Dishwasher

Air Cond:Central Air,Zoned,Heat Pump

Fireplaces:

Floor:LVT/LVP,Carpet,Tile,Wood

Other:Master Downstairs,Walk-in Closet(s),High Ceilings,Generator Plug,Bookcases,Ceiling Fan(s),Walk-in Shower,Blinds/Shades,Eat-in Kitchen,Walk-In Closet(s)

Other:County Water

Payment Calculator

Payment Breakdown

Principal Interest

$2,571

Taxes

$318

HOA

$1,380

Home Price

$499,000

Home Price

Loan Details

30 yrs

6.683%

Interest Rate

Loan Type

Down Payment

20%

$99,800

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:

$2,571.45

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$2,571.45	$318.11	$1,380.00	$4,269.56
Yearly	$30,857.40	$3,817.35	$16,560.00	$51,234.75
Total	$925,721.90	$114,520.50	$496,800.00	$1,537,042.40