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.

5651 Toby Place Rd, Stedman, NC 28391

House Description

Back on the market through no fault of the sellers or the home! Previous contract was unable to close due to buyer circumstances. This move-in ready property is available for immediate showings. Don't miss your opportunity! Absolutely stunning home on over an acre! This beautifully maintained 3BR/2.5BA ranch with a spacious bonus room offers just under 2,400 sqft of thoughtfully designed living space. Enjoy the ease of a main-level primary suite, beautifully updated bathrooms, and a bright open floor plan. A welcoming foyer leads into the spacious family room with a cozy gas fireplace--perfect for everyday living and entertaining. The modern kitchen shines with a large island, walk-in pantry, breakfast nook, and formal dining room--ideal for gatherings big or small. Step outside to a covered front porch, expansive back deck, fully fenced backyard, and a private wooded tree line for added privacy. The wired, finished workshop/detached garage offers endless possibilities for hobbies, storage, or workspace. Major updates include a new HVAC system (2024) and a 30-amp hookup for RV parking--adding both comfort and convenience. Tucked away in a quiet, one-street subdivision with no HOA or city taxes, yet conveniently located near I-95, I-295, and just minutes to Fort Bragg. Move-in ready and located in the desirable Cape Fear School District, this home truly checks every box. Don't miss it--schedule your showing today!

Highlights

Listed by LISA MURPHY , 540-903-6587 EVERYTHING PINES PARTNERS LLC , 910-725-1176. Triangle MLS, Inc. of North Carolina mls logo

Property Type

Residential

Lot/Acreage

1.22

Year Built

2020

County

Cumberland

Listing ID

LP760099

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms

▪ Bedrooms:3
▪ Bathrooms:3
▪ Full Bathrooms:2
▪ 1/2 Bathrooms:1

Appliances:Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer

Floor:Hardwood,Tile,Vinyl

Basement:Crawl Space

Other:Cathedral Ceiling(s),Ceiling Fan(s),Granite Counters,Kitchen Island,Living/Dining Room Combination,Open Floorplan,Master Downstairs,Separate Shower,Walk-In Closet(s)

Payment Calculator

Payment Breakdown

Principal Interest

$2,422

Taxes

$300

Home Price

$470,000

Home Price

Loan Details

30 yrs

6.683%

Interest Rate

Loan Type

Down Payment

20%

$94,000

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:

$2,422.01

Principal

Taxes