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Street view of 140 W Huckleberry Way, Rocky Point, NC 28457-4601

140 W Huckleberry Way, Rocky Point, NC 28457-4601

Estimated Market Value

$0
Range: $392,805 - $442,950
3Beds
2Baths
2,249SqFt
2016Built
2Garage

AI Property Analysis

Discover modern comfort at this delightful 2016-built home located at 140 W Huckleberry Way. Spanning 2,249 square feet of living space, this single-story residence features 3 bedrooms and 2 full bathrooms, designed for easy living. The home boasts central air conditioning, a welcoming fireplace, and durable masonry/stucco exterior. Enjoy outdoor moments on the private patio or utilize the convenience of a 2-car attached garage. Situated on a spacious 0.72-acre lot in The Reserve on Island Creek PH I, this property offers a perfect blend of privacy and community charm.

Your Capital Gains Tax Savings

Section 121 Primary Residence Exemption Analysis

Total Potential Taxable Gain
$3,378
Based on estimated value of $417,878 minus purchase price of $414,500
Not quite eligible yet. You've owned this home for 1.0 years. You need 2 full years of primary residency to qualify for these tax savings.
⚠️ 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:$3,378
Capital Gains Rate:20%
Potential Tax Savings:$676

Married Filing Jointly

Up to $500K Exclusion

Protected Amount:$3,378
Capital Gains Rate:20%
Potential Tax Savings:$676

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:$43,114

Equity Breakdown

Cost to Build Today$506,025
Investor Quick-Sale Est.$282,820
Monthly Rental Est.$2,716/mo

Your Appreciation Story

Your Annual Return0.8%Compound growth rate
Historical Average3.5%Long-term US average
Above-Average Growth+$0Growth above historical 3.5% baseline

Your home has appreciated at 0.8% 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.


What Could Your Equity Do?

If you sold today and invested your $43,114 equity in the S&P 500, in 10 years it could grow to $111,827 — compared to an estimated $262,751 in total equity by staying in the home.


The Hidden Cost of Holding

Insurance (0.4% est)$139/mo
Maintenance (1% est)$348/mo
Opportunity Cost (5% est)$180/mo
Total Monthly Holding Cost$667/mo

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

While your home appreciates, it costs approximately $667/month to hold — including $180/month in opportunity cost from equity that could be earning interest elsewhere.

Market Pulse

Market Temp
❄️ Cool

Slower price growth and extended listing times suggest a more buyer-friendly environment.

Your Neighborhood

Nestled in the tranquil community of Rocky Point, North Carolina, 140 W Huckleberry Way is situated within The Reserve on Island Creek PH I subdivision. This residential area in Pender County is known for its peaceful atmosphere and is served by the Pender County Schools district. As part of the Wilmington, NC Metropolitan Statistical Area, residents enjoy convenient access to nearby urban amenities, employment centers, and coastal attractions, all while maintaining a serene suburban lifestyle characterized by single-family homes on generous lots.

Market Trend Predictions

1 Year Forecast$426,853Range: $420K - $433K
3 Year Forecast$445,386Range: $423K - $463K
5 Year Forecast$464,723Range: $426K - $496K

Estimated Monthly Equity Gain
+$748/mo

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

❄️Market Outlook & Sell Window

Buyer's market — consider waiting for conditions to improve

* 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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