199 Mississippi Dr, Rocky Point, NC 28457-9624
Estimated Market Value
AI Property Analysis
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 5.8% 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. Past performance does not guarantee future results.
What Could Your Equity Do?
If you sold today and invested your $137,169 equity in the S&P 500, in 10 years it could grow to $355,780 — compared to an estimated $350,830 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 $1,046/month. This includes an estimated $572/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
Steady appreciation and consistent buyer interest suggest a balanced market favoring sellers.
Your Neighborhood
Nestled in the Pender County community of Rocky Point, this home is part of The Reserve on Island Creek Ph 2 subdivision. Rocky Point offers a peaceful residential setting within the greater Wilmington, NC metropolitan area, providing a blend of quiet living with access to city amenities. Residents benefit from the Pender County Schools and a zoning of Residential Performance, ensuring a well-maintained and family-friendly environment.
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.
Good conditions — consider listing in the next 6-12 months
* These projections are hypothetical illustrations based on historical trends and local market data. Conservative: 2.0%, Moderate: 4.7%, Aggressive: 5.8%. 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.
