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.

166 Deepwater Dr, Stella, NC 28582

House Description

Beautiful custom-built new construction home in the quiet gated waterfront community of River Oaks Plantation. The Winston plan is designed for easy everyday living and entertaining alike, with generous room sizes, open concept living, kitchen, and dining areas, ample storage, and thoughtful details throughout. Find a spacious bonus room and full bath upstairs that works well as guest suite, home office, media or playroom. Enjoy views of the White Oak River from the front porch, relax on the screened back porch, and embrace the coastal lifestyle! River Oaks Plantation features a community boat ramp and day dock providing easy access to the White Oak River and ICW for a day of fishing, island hopping, or lunch on the waterfront of downtown Swansboro. Located in the award-winning Croatan school district, this home is also just a short drive to pristine local beaches and area shopping, dining, and bases. Don't miss a fantastic opportunity to experience all the Crystal Coast has to offer in a brand-new, low maintenance, custom-built home in a desirable waterfront community.

Highlights

Listed by Barefoot-Chandler & Associates Team , 252-725-3193 LPT Realty , 877-366-2213. Hive MLS mls logo

Property Type

Residential

Lot/Acreage

0.35

HOA Fee

300 Annually

Year Built

2026

County

Carteret

Neighborhood

River Oaks Plntn

Listing ID

100583752

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms

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

Appliances:Electric Oven, Built-In Microwave, Dishwasher, Electric Range

Air Cond:Central Air

Fireplaces:

Floor:LVT/LVP,Tile

Other:Master Downstairs,Walk-in Closet(s),High Ceilings,Kitchen Island,Ceiling Fan(s),Pantry,Walk-In Closet(s)

Other:Public

Payment Calculator

Payment Breakdown

Principal Interest

$2,783

Taxes

$344

HOA

$300

Home Price

$540,000

Home Price

Loan Details

30 yrs

6.683%

Interest Rate

Loan Type

Down Payment

20%

$108,000

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:

$2,782.73

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$2,782.73	$344.25	$300.00	$3,426.98
Yearly	$33,392.77	$4,131.00	$3,600.00	$41,123.77
Total	$1,001,783.22	$123,930.00	$108,000.00	$1,233,713.22