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.

4034 Oak Valley Dr, Stem, NC 27581

House Description

PRICE ADJUSTMENT! Price has been adjusted to align with the value established in a recent appraisal completed by a licensed North Carolina appraiser. Beautifully updated 3 bedroom, 2 bath home nestled on a spacious and private 0.9 acre lot offering the perfect combination of comfort, charm, and functionality. This inviting home features a desirable floor plan with the primary suite conveniently located on the main level. Inside, you'll find fresh interior paint and luxury vinyl plank flooring throughout, creating a clean and modern feel from the moment you walk in. The kitchen is designed for both everyday living and entertaining, complete with granite countertops, upgraded stainless steel appliances, abundant cabinet space, and a bright breakfast nook overlooking the backyard. The cozy family room features a fireplace framed by custom built-in shelving, creating a warm and welcoming gathering space. Additional built-ins upstairs provide extra character and storage, while the formal dining room offers the perfect setting for holiday meals, dinner parties, or family gatherings. Step outside and enjoy everything this incredible property has to offer. Relax on the charming covered front porch or entertain guests on the massive back deck overlooking the fully fenced backyard. The beautifully landscaped yard provides plenty of space for pets, gardening, recreation, or simply enjoying the peaceful surroundings. An attached storage room and a powered workshop/shed offer endless possibilities for hobbies, a home gym, workshop space, or additional storage. The refrigerator conveys with the home, making this move-in ready property even more appealing. With minimal HOA restrictions and a low annual fee of just $150 for road maintenance, you'll enjoy both flexibility and affordability. This property offers the space, updates, and outdoor living areas that are hard to find all in one place. Shed was recently painted and deck pressure washed. Special financing available with TowneBank Mortgage. Reach out to Marisa Morgan at 239-470-5012 for more information.

Highlights

Listed by Terry Carpenter , 919-475-5002 Coldwell Banker HPW , 919-467-1882. Triangle MLS, Inc. of North Carolina mls logo

Property Type

Residential

Lot/Acreage

0.9

HOA Fee

150 Annually

Year Built

1991

County

Granville

Neighborhood

Oak Valley Farms

Listing ID

10161931

Questions about this listing?

Contact Agent

Payment Calculator

Payment Breakdown

Principal Interest

$1,829

Taxes

$192

HOA

$150

Home Price

$355,000

Home Price

Loan Details

30 yrs

6.683%

Interest Rate

Loan Type

Down Payment

20%

$71,000

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:

$1,829.39

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$1,829.39	$192.28	$150.00	$2,171.67
Yearly	$21,952.66	$2,307.36	$1,800.00	$26,060.02
Total	$658,579.71	$69,220.80	$54,000.00	$781,800.51