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Street view of 91 W Huckleberry Way, Rocky Point, NC 28457-4603

91 W Huckleberry Way, Rocky Point, NC 28457-4603

Estimated Market Value

$0
Range: $357,475 - $403,110
3Beds
2Baths
2,249SqFt
2017Built

AI Property Analysis

Discover the charm of this inviting 2017-built home at 91 W Huckleberry Way, Rocky Point, NC. This single-story residence offers 2,249 sq ft of comfortable living space, featuring 3 bedrooms and 2 full bathrooms. Situated on a spacious 0.68-acre lot within The Reserve on Island Creek Ph I subdivision, the property provides ample outdoor enjoyment. Modern comforts include central air conditioning, a heat pump, and a cozy fireplace. The home boasts durable vinyl siding, a classic shingle roof, and a slab foundation, blending conventional style with everyday functionality, complete with municipal water and septic service.

Your Capital Gains Tax Savings

Section 121 Primary Residence Exemption Analysis

Total Potential Taxable Gain
$83,293
Based on estimated value of $380,293 minus purchase price of $297,000
✅ You likely qualify! You've owned this home for 3.8 years (minimum 2 years required).
⚠️ This tax benefit may not last forever. The Section 121 exclusion is frequently debated in Congress. Knowing your equity options now is crucial for long-term wealth planning.

Single Filer

Up to $250K Exclusion

Protected Amount:$83,293
Capital Gains Rate:20%
Potential Tax Savings:$16,659

Married Filing Jointly

Up to $500K Exclusion

Protected Amount:$83,293
Capital Gains Rate:20%
Potential Tax Savings:$16,659

Tax Liability Comparison

* This analysis is purely an estimate based on assumed 20% capital gains rates and available public data. We are not tax professionals. Please consult a licensed CPA to verify your exact eligibility and tax implications.

Financial Projections

Estimated Net Proceeds

Estimated Cash in Hand:$113,057

Equity Breakdown

Cost to Build Today$506,025
Investor Quick-Sale Est.$257,382
Monthly Rental Est.$2,472/mo

Your Appreciation Story

Your Annual Return6.7%Compound growth rate
Historical Average3.5%Long-term US average
Above-Average Growth+$41,874Growth above historical 3.5% baseline

Your home has appreciated at 6.7% per year — well above the historical average of 3.5%. This extraordinary growth was driven by recent market conditions that are unlikely to repeat. Understanding this context is key to making smart decisions about your equity.


What Could Your Equity Do?

If you sold today and invested your $113,057 equity in the S&P 500, in 10 years it could grow to $293,242 — compared to an estimated $312,939 in total equity by staying in the home.


The Hidden Cost of Holding

Insurance (0.4% est)$127/mo
Maintenance (1% est)$317/mo
Opportunity Cost (5% est)$471/mo
Total Monthly Holding Cost$915/mo

* Estimates do not include county, city, or other annual property taxes.

While your home appreciates, it costs approximately $915/month to hold — including $471/month in opportunity cost from equity that could be earning interest elsewhere.

Market Pulse

Market Temp
⚖️ Moderate

A balanced market with relatively equal supply and demand — neither strongly favoring buyers nor sellers.

Your Neighborhood

Situated in Rocky Point, NC, this property at 91 W Huckleberry Way is part of the tranquil Pender County, benefiting from the wider Wilmington, NC metropolitan area. The home is located within 'The Reserve on Island Creek Ph I' subdivision, a peaceful residential community. Residents are served by the Pender County Schools district and enjoy convenient access to local amenities while being within reach of Wilmington's coastal attractions and opportunities.

Market Trend Predictions

1 Year Forecast$399,747Range: $388K - $406K
3 Year Forecast$441,691Range: $404K - $462K
5 Year Forecast$488,036Range: $420K - $527K

Estimated Monthly Equity Gain
+$1,621/mo

Based on moderate market appreciation projections, your property generates passive wealth each month.

⚖️Market Outlook & Sell Window

Stable market — no urgency, but conditions are fair

* Projections are estimates based on historical trends and local market data, and do not guarantee future performance.

⚖️ This analysis is for informational purposes only and does not constitute professional advice. Always consult with a licensed local real estate agent, appraiser, attorney, and/or accountant before making any real estate decisions or entering into any agreements.
Buddy Blake

Report Generated By

Buddy Blake

Buddy Blake Real Estate

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