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Street view of 6404 Motts Village Rd, Wilmington, NC 28412-4901

6404 Motts Village Rd, Wilmington, NC 28412-4901

Estimated Market Value

$0
Range: $685,108 - $1,027,662
3Beds
3Baths
3,733SqFt
2016Built
1Garage

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.

Your Capital Gains Tax Savings

Section 121 Primary Residence Exemption Analysis

Total Potential Taxable Gain
$7,385
Based on estimated value of $856,385 minus purchase price of $849,000
Not quite eligible yet. You've owned this home for 1.7 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:$7,385
Capital Gains Rate:20%
Potential Tax Savings:$1,477

Married Filing Jointly

Up to $500K Exclusion

Protected Amount:$7,385
Capital Gains Rate:20%
Potential Tax Savings:$1,477

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:$95,685

Equity Breakdown

Cost to Build Today$839,925
Investor Quick-Sale Est.$493,278
Monthly Rental Est.$3,426/mo

Your Appreciation Story

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

Your home has appreciated at 0.5% 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.


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.


The Hidden Cost of Holding

Insurance (0.4% est)$285/mo
Maintenance (1% est)$714/mo
Opportunity Cost (5% est)$399/mo
Total Monthly Holding Cost$1,398/mo

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

While your home appreciates, it costs approximately $1,398/month to hold — including $399/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

<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 Predictions

1 Year Forecast$873,530Range: $859K - $886K
3 Year Forecast$908,858Range: $863K - $949K
5 Year Forecast$945,613Range: $867K - $1M

Estimated Monthly Equity Gain
+$1,429/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