Realtor Kip Nance

07/31/2026

🏡 Did you know the average national cost of homeowners insurance is $3,548/year?

Whether you're house hunting for your first home or trying to lower your monthly bills on your current one, home insurance is a major factor in your budget. The good news? You don't have to overpay! 💰

Here are 8 smart ways to cut your homeowners insurance costs:

​1️⃣ Maintain good credit – A higher credit score helps you land a better mortgage rate and lowers your insurance premiums!

2️⃣ Shop around – Don't settle for the first quote. Compare coverage options and check carrier ratings on AM Best.

3️⃣ Check your CLUE report – Review your property’s claims history to make sure there are no errors inflating your rates.

4️⃣ Keep insurance in mind when house hunting – Updated wiring, proximity to fire stations, and security systems can unlock major policy discounts.

5️⃣ Raise your deductible – Bumping up your deductible lowers your monthly payments (just keep an emergency fund ready!).

6️⃣ Insure for replacement cost, NOT market value – Focus on what it costs to rebuild the structure—don't pay to insure the value of the land.

7️⃣ Bundle home & auto – Combining policies with one insurer is one of the fastest ways to score a multi-policy discount.

8️⃣ Review before you auto-renew – Rates change! Compare options every year instead of letting your policy automatically roll over.

​💡 Pro Tip: Remember, standard home policies DON'T cover floods, sewer backups, or earthquakes. Knowing your exact coverage before closing is key to protecting your investment!

Whether you're looking to buy, sell, or need expert guidance navigating the real estate market, I'm here to help every step of the way.

​📲 Call or Text Kip: 910-207-2948
✉️ Email: [email protected]

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07/31/2026

Are you thinking about buying a home soon? 🏡 Before you start scrolling through home listings, make sure you know what your *actual* monthly payment will look like!

It is easy to use an online calculator and assume your payment is just principal and interest. But in the real world, your monthly bill includes **PITI**:

🔹 **P**rincipal
🔹 **I**nterest
🔹 **T**axes
🔹 **I**nsurance

Leaving out property taxes, home insurance, or HOA fees can cause major surprises after you close!
Want to know exactly what house fits your budget in North or South Carolina? Let’s run the real numbers together so you can shop with confidence.

📲 **Call or Text:** (910) 207-2948
📧 **Email:** [email protected]
👨‍💼 **Kip Nance | Only Way Realty Carolina**

"My mortgage estimate said $1,800/mo... why is my actual payment $2,300?" 🤔
Here’s the truth: most online calculators only show **Principal + Interest**. They leave out the rest of the puzzle!

Swipe through or save this post for the 4 things that ACTUALLY make up your monthly payment:
1️⃣ **Principal** (Paying down what you borrowed)
2️⃣ **Interest** (The cost of borrowing)
3️⃣ **Property Taxes** (Local county/city taxes)
4️⃣ **Insurance** (Homeowners + PMI if applicable)

Don't guess when it comes to your budget. Drop a comment below or send me a message with a home address, and I’ll run a custom, real-world estimate for you! 📊

📲 **Call/Text:** (910) 207-2948
📧 **Email:** [email protected]
👤 **Kip Nance | Only Way Realty Carolina**


Mortgage literacy is one of the most critical—yet overlooked—parts of the homebuying process.
When advising clients on purchasing power, one common pattern stands out: buyers frequently underestimate total monthly housing costs by relying on simplified online loan formulas.

A complete mortgage obligation extends beyond principal and interest. Factoring in local tax reassessments, insurance fluctuations, escrow reserves, and mortgage insurance premiums (PMI/MIP) is essential to protecting your long-term financial health.

Whether you are preparing for your first home purchase or analyzing an investment property, accurate financial planning starts before you make an offer.

If you are evaluating properties in the Carolinas and need detailed payment projections tailored to current local market conditions, I’d be glad to help.
**Kip Nance**
*Only Way Realty Carolina*
📞 **Call/Text:** (910) 207-2948
✉️ **Email:** [email protected]

07/26/2026

Columbus County Land Hits $10,000 Per Acre.

If you are looking for land in Columbus County here is something you must know and I'll understand thoroughly.

That $10K number is real — and it's reshaping how cheap-parcel hunting works.

Here's the current snapshot for Columbus County:

The headline math.

Land.com is showing a median of $10,000 / acre right now with about 3,326 acres total on the market. Median lot size is 40 acres, median list price around $450,000, and average listings are running about 71 acres at $786,700 —

Homes are sitting about 78 days before moving.

Why the average look so high?

It's not one market, it's four:

• General vacant land: $10,000 / acre baseline

• Farms: $12,067 / acre median - the Whiteville / Chadbourn / Cerro Gordo corridor is driving this, lots of 40-acre blocks

• Recreational tracts: $4,096 / acre — cheaper, bigger (avg 108 acres for ∼$466k), that's your hunting / riverfront stuff around Fair Bluff, Nakina

• Timberland: $5,737 / acre — 300+ acre parcels

• Barndominium / ready-to-build: $28,260 / acre — small 1-2 acre lots with utilities, pulls the average up

Inventory shift this year

What I'm seeing:

1. Less small cheap stuff, more mid-size. The median 40-acre size tells you sub-5 acre lots under $85K are getting scarce — they're either snapping up fast or getting repriced into that $30k-$97k per acre downtown Whiteville range for in-town lots.

2. Total acreage is tight. ∼3,300 acres across the whole 938-square-mile county is not a lot. When a single 300-acre timber tract sells, it swings the total inventory 10%.

3. Price floor has moved. Even recreational land that used to trade at $2,950 / acre on Bill Hooks Rd type parcels is now competing with $4k+ medians.

Anything with road frontage near Chadbourn / Whiteville Hwy is being listed as commercial or future homesite at $12k+ per acre.

If you're hunting sub-$85K, you're basically looking at recreational or off-pavement 5-20 acre cuts, not the 40-acre median parcels — and you have to move faster than that 78-day median suggests, because the cheap ones go in weeks.

Here's what's actually live right now under and around that $85K mark:

Chadbourn area — that's your sweet spot. The clearest comp is 2999 Princess Ann Rd, 5.26 acres with a pond, listed at $89,000 but was at $84,900 recently, so right on your line. It's dual parcel, just outside town, that 5-acre tract format you see a lot of.

Whiteville — more inventory but smaller and more mixed. On Old Lumberton Rd you've got three side by side: 10.2 acres for $95k, 8.88 acres for $85k, and 5.51 acres for $65k, plus a 1.49 acre cleared lot on Whites Crossing Ln for $45k. Those Whiteville lots move quickly because they're cleared and have road frontage, but the price per acre is higher than Chadbourn.

Fair Bluff — almost nothing cheap right now. The only active tract that shows is 92 acres on Orange Street at $225k and it's already pending, which tells you recreational land there is getting bid up even though the county median for recreational is around $4k per acre.

What that shift means for you this year:

Chadbourn is still where you can get 5 plus acres under $90k, Whiteville is where you get 1 to 8 acres with utilities but you pay more per acre, and Fair Bluff you have to wait for something to hit or go bigger.

Get an inside scoop of properties coming on the market and see the parcels and the homes BEFORE everyone else does ..message me!

See why buyers & brokers choose Land.com. Find land near you including farms, ranches, and rural homes. Browse millions of acres of land for sale.

06/06/2026

https://www.homes.com/property/503-anderson-st-tabor-city-nc/ev8xmvnwft7dl/?l=zncxlwthnj2hq

Listed for sale at $319900. Charming Brick Ranch with Modern Updates - Less than half hour to N. Myrtle Beach!Discover the perfect blend of clas...

05/28/2026

Located 25 minutes to North Myrtle Beach SC ...call 910.207.2948 for your private tour

Listed for sale at $319900. Charming Brick Ranch with Modern Updates - Less than half hour to N. Myrtle Beach!Discover the perfect blend of clas...

05/28/2026

Located on the south river call 910.207.2948 to schedule your private showing

Listed for sale at $179999. Located on the South river and approx. 1 mile off the main highway this property provides you the privacy and seclusion ...

11/16/2025

07/07/2025

https://www.flexmls.com/share/CR0Kz/813-Village-Street-Bladenboro-NC-28320

Brokered by Only Way Realty Carolina

01/25/2024

4 bed, 4 bath Back on market with no fault to seller .Newly updated 4 bedroom, 2 full and 2 half bath, brick ranch close to everything! There is also a large room on the rear of the home that you...

12/01/2023

https://www.roomvu.com/agent/ken-9?video=northcarolina-housing-forecast&share=true

Kip Nance is a real estate agent with Only Way Realty Carolina. Check out Kip Nance's listings or office listings.