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Street view of 64 W Huckleberry Way, Rocky Point, NC 28457-4604

64 W Huckleberry Way, Rocky Point, NC 28457-4604

Estimated Market Value

$0
Range: $354,394 - $416,027
3Beds
3Baths
1,715SqFt
2016Built

AI Property Analysis

Discover charm and comfort at this inviting single-story home located at 64 W Huckleberry Way in Rocky Point. Built in 2016, this residence offers 1,715 square feet of living space, featuring 3 bedrooms and 3 full bathrooms. Step inside to find a well-appointed interior, complemented by a cozy fireplace. The home is equipped with central air conditioning and a heat pump for year-round comfort. Outside, enjoy the convenience of a wood deck, perfect for relaxation or entertaining on the generous 0.44-acre lot. This conventional-style home boasts low-maintenance vinyl siding and a sturdy slab foundation, all within The Reserve on Island Creek subdivision.

Your Capital Gains Tax Savings

Section 121 Primary Residence Exemption Analysis

Total Potential Taxable Gain
$192,711
Based on estimated value of $385,211 minus purchase price of $192,500
✅ You likely qualify! You've owned this home for 10.3 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:$192,711
Capital Gains Rate:20%
Potential Tax Savings:$38,542

Married Filing Jointly

Up to $500K Exclusion

Protected Amount:$192,711
Capital Gains Rate:20%
Potential Tax Savings:$38,542

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:$216,563

Equity Breakdown

Cost to Build Today$385,875
Investor Quick-Sale Est.$255,164
Monthly Rental Est.$2,504/mo

Your Appreciation Story

Your Annual Return7.0%Compound growth rate
Historical Average3.5%Long-term US average
Above-Average Growth+$111,085Growth above historical 3.5% baseline

Your home has appreciated at 7.0% 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 $216,563 equity in the S&P 500, in 10 years it could grow to $561,709 — compared to an estimated $419,029 in total equity by staying in the home.


The Hidden Cost of Holding

Insurance (0.4% est)$128/mo
Maintenance (1% est)$321/mo
Opportunity Cost (5% est)$902/mo
Total Monthly Holding Cost$1,352/mo

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

While your home appreciates, it costs approximately $1,352/month to hold — including $902/month in opportunity cost from equity that could be earning interest elsewhere.

Market Pulse

Market Temp
🔥 Hot

Strong property appreciation and high buyer demand indicate a seller-friendly market with competitive offers.

Your Neighborhood

Nestled within the tranquil community of Rocky Point, NC, this property benefits from a serene setting in Pender County. The home is part of The Reserve on Island Creek Phase I, a residential subdivision characterized by its peaceful atmosphere and residential performance zoning. Residents enjoy access to Pender County Schools and the broader amenities of the Wilmington, NC Metropolitan Statistical Area, offering a blend of quiet living with convenient access to urban resources and coastal attractions.

Market Trend Predictions

1 Year Forecast$405,404Range: $393K - $412K
3 Year Forecast$449,021Range: $409K - $472K
5 Year Forecast$497,330Range: $425K - $540K

Estimated Monthly Equity Gain
+$1,683/mo

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

🔥Market Outlook & Sell Window

Strong seller's market — favorable conditions to sell now

* 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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