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.

123 Covil Ave Unit 302, Wilmington, NC 28403

House Description

PREFERRED LENDER IS OFFERING LENDER PAID CLOSING COSTS OF 0.75 percent. Buyer could then use towards rate buydown (temporary or permanent) or towards closing costs. Cozy, well-maintained 2-bedroom, 2-bath home offering easy, low-maintenance living in the heart of Wilmington. Enjoy a coastal lifestyle with many community amenities including a pool and master insurance coverage. HOA also covers your water and sewer bill, cutting other monthly out of pocket costs! Centrally located with quick access to Oleander Drive and Market Street-making trips to the beach, downtown Wilmington, shopping at the mall, and dining effortless. Seller has made meaningful updates since purchase, including fresh interior paint, removal of all bedroom carpet with upgraded LVP flooring throughout, tiled kitchen floor, updated lighting and ceiling fans in the living area and kitchen, and a new kitchen faucet. You'll love the open floorplan, covered outdoor deck, and the fact that the HVAC was replaced in 2021! A great opportunity for buyers looking to step into homeownership in Wilmington or for investors seeking rental potential.

Highlights

Listed by Ricks Realty Team , 910-262-0905 and Lauren A Tucker , 910-338-8445 Berkshire Hathaway HomeServices Carolina Premier Properties , 910-256-0021. Hive MLS mls logo

Property Type

Condo/Townhome

HOA Fee

4704 Annually

Year Built

2013

County

New Hanover

Neighborhood

Covil Garden Condominiums

School District

New Hanover

Listing ID

100557127

Questions about this listing?

Contact Agent

Payment Calculator

Payment Breakdown

Principal Interest

$1,082

Taxes

$134

HOA

$4,704

Home Price

$210,000

Home Price

Loan Details

30 yrs

6.683%

Interest Rate

Loan Type

Down Payment

20%

$42,000

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:

$1,082.17

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$1,082.17	$133.88	$4,704.00	$5,920.05
Yearly	$12,986.08	$1,606.50	$56,448.00	$71,040.58
Total	$389,582.36	$48,195.00	$1,693,440.00	$2,131,217.36