6404 Motts Village Rd, Wilmington, NC 28412-4901
Estimated Market Value
AI Property Analysis
Discover an exceptional living experience at 6404 Motts Village Rd, a beautiful patio home built in 2016 within the coveted Wilmington, NC area. This impressive residence boasts 3 bedrooms and 3 full bathrooms across a spacious 3733 square feet of living area, offering both comfort and style. Inside, you'll find modern amenities including central air conditioning and an inviting fireplace, perfect for cozy evenings. The home also features a delightful sun room, providing a bright and airy space for relaxation, along with an open porch ideal for enjoying the Carolina sunshine.
Situated on a generous 0.753-acre lot, this property offers ample outdoor space and privacy. A convenient garage adds to the functionality of this charming home. This property is part of The Village at Motts Landing, a premier community known for its thoughtful design and appealing amenities. To learn more about this fantastic community and homes for sale in The Village at Motts Landing, explore what makes this neighborhood so special. For those looking to navigate the local real estate market with confidence, Buddy Blake Real Estate brings invaluable local real estate expertise to help buyers and sellers achieve their goals. This Wilmington gem truly combines luxury, comfort, and an unbeatable location for an idyllic lifestyle.
Capital Gains Tax Analysis
Section 121 Primary Residence Exemption Analysis
Single Filer
Up to $250K Exclusion
Married Filing Jointly
Up to $500K Exclusion
Tax Liability Comparison
* This analysis is a simplified illustration based on an assumed 20% federal capital gains tax rate. It does not account for state taxes, depreciation recapture, the Net Investment Income Tax (3.8%), AMT, or individual circumstances. The Section 121 exclusion has specific IRS requirements regarding ownership, use, and timing that cannot be determined from public property records alone. This platform is not acting as a tax adviser, accountant, or attorney. Consult a licensed CPA or tax attorney to evaluate your specific situation. Calculation date: August 2026.
Financial Projections
Estimated Net Proceeds
These projections assume a 5.5% total sales commission, approximately 6% in closing costs and concessions, and mortgage payoff estimated from public purchase records (30-year fixed, 20% down payment, 5% assumed interest rate). Actual proceeds will vary based on negotiated terms, local costs, and current mortgage balance. This is not an appraisal or guaranteed estimate of net proceeds.
Equity Breakdown
Your Appreciation Story
Your home has appreciated at 0.5% per year — below 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. Past performance does not guarantee future results.
What Could Your Equity Do?
If you sold today and invested your $95,685 equity in the S&P 500, in 10 years it could grow to $248,182 — compared to an estimated $545,800 in total equity by staying in the home. These projections are hypothetical. Investment returns are not guaranteed and involve risk of loss.
The Hidden Cost of Holding
* Estimates do not include property taxes (county, city, school, or special district). Actual costs vary significantly by location and individual circumstances. This platform is not acting as a financial or investment adviser.
The estimated monthly cost of holding this property is approximately $1,398/month. This includes an estimated $399/month in opportunity cost — the hypothetical return that equity could earn if invested elsewhere. These figures are estimates and actual costs will vary.
Market Pulse
Slower price growth and extended listing times suggest a more buyer-friendly environment.
Your Neighborhood
<p>Nestled in the desirable Federal Point area of Wilmington, NC, this property offers access to the vibrant coastal lifestyle and amenities the city is known for. The Village at Motts Landing provides a serene setting while remaining conveniently close to local attractions, dining, and beautiful natural landscapes, making it a highly sought-after location for residents.</p>
Market Trend Projections
Based on moderate market appreciation projections, this property's estimated equity may increase by approximately this amount each month. Actual appreciation varies and is not guaranteed.
Buyer's market — consider waiting for conditions to improve
* These projections are hypothetical illustrations based on historical trends and local market data. Conservative: 0.2%, Moderate: 2.0%, Aggressive: 3.5%. Actual results will vary. Past performance does not guarantee future results. This platform is not acting as an appraiser or investment adviser. Projection date: August 2026.
