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.

203 Shell Rd, Surf City, NC 28445

House Description

Don't miss this perfect opportunity to own a piece of Island Paradise!! Coastal elegance awaits in this exceptional Brand new-construction beach home, perfectly positioned just steps from the shoreline. Located in the heart of Surf City, this residence offers the rare combination of modern craftsmanship and timeless coastal charm. With 4 spacious bedrooms and 4.5 beautifully appointed baths, the home is designed for both comfort and sophistication. Expansive windows invite natural light throughout, while thoughtful finishes create a serene, upscale atmosphere ideal for full-time living, vacationing, or investment. Whether entertaining guests or unwinding after a long day, this home offers the perfect backdrop for coastal living at its finest. For information about our preferred lender and the incentives you may qualify for, please ask your agent to review the agent comments for additional details. This home is under construction in the TRIM stage. Call for information.

Highlights

Listed by Lori K Smith , 910-389-7407 Coldwell Banker Sea Coast Advantage , 910-327-2441. Hive MLS mls logo

Property Type

Condo/Townhome

Lot/Acreage

0.03

HOA Fee

1400 Annually

Year Built

2026

County

Pender

Neighborhood

Dune Ridge

Listing ID

100574677

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms

▪ Bedrooms:4
▪ Bathrooms:5
▪ Full Bathrooms:4
▪ 1/2 Bathrooms:1

Appliances:Built-In Microwave, Washer, Dryer, Dishwasher, Electric Range

Air Cond:Zoned,Heat Pump

Fireplaces:

Floor:LVT/LVP

Other:Vaulted Ceiling(s),Solid Surface,Ceiling Fan(s),Elevator,Pantry,Reverse Floor Plan,Walk-in Shower

Other:Public

Payment Calculator

Payment Breakdown

Principal Interest

$4,251

Taxes

$526

HOA

$1,400

Home Price

$825,000

Home Price

Loan Details

30 yrs

6.683%

Interest Rate

Loan Type

Down Payment

20%

$165,000

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:

$4,251.39

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$4,251.39	$525.94	$1,400.00	$6,177.33
Yearly	$51,016.74	$6,311.25	$16,800.00	$74,127.99
Total	$1,530,502.14	$189,337.50	$504,000.00	$2,223,839.64