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.

16 Cottswold Ln, Spring Lake, NC 28390

House Description

**POA FEE COVERED UNTIL THE END OF 2026! ** VA Assumable rate 2.75%! Welcome to this well-maintained home nestled in the gated golf community of Anderson Creek Club. Boasting a BRAND NEW ROOF, 5 bedrooms, 2.5 bathrooms, 2-car garage and fenced yard. With beautiful hardwoods throughout, the foyer is spacious offering a formal living room/office/playroom or dining at the front of the home. The kitchen features modern cabinets, SS appliances, beautiful counters and opens to the dining nook and living room. The 1st floor houses a walk in laundry room with utility sink. The primary is on the 1st floor with attached ensuite showcasing dual sinks, dual custom closets, stand up shower, soaker tub and closet toilet. The 2nd floor you will find 4 additional generous size bedrooms with ample closet space and a full bathroom. The screened in porch is perfect for relaxing and overlooking the fenced in backyard with fire pit. Enjoy walks on the sidewalks around Carriage Square and all of the amenities this wonderful community has to offer. Including lawn care, 100MB internet, 24/7 security, pool/splash pad, clubhouse/gym/lap pool/tennis/volleyball/basketball, dog park, canoes, paddle boats, trails & more. Located to shopping/dining & Fort Bragg.

Highlights

Listed by TIFFANY BROCK , 910-813-7533 STILL WATERS REAL ESTATE , 910-813-7533. Triangle MLS, Inc. of North Carolina mls logo

Property Type

Residential

HOA Fee

315 Monthly

Year Built

2007

County

Harnett

Neighborhood

Anderson Creek Club

Listing ID

LP755299

Questions about this listing?

Contact Agent

Payment Calculator

Payment Breakdown

Principal Interest

$2,396

Taxes

$296

HOA

$315

Home Price

$464,999

Home Price

Loan Details

30 yrs

6.683%

Interest Rate

Loan Type

Down Payment

20%

$93,000

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:

$2,396.24

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$2,396.24	$296.44	$315.00	$3,007.67
Yearly	$28,754.83	$3,557.24	$3,780.00	$36,092.07
Total	$862,644.81	$106,717.27	$113,400.00	$1,082,762.08