Is the housing market going to crash?

We have seen every market cycle since 2007. The Fort Mill and Charlotte metro market has shown consistent resilience and population-driven demand. We are happy to walk you through current conditions and what they mean for your specific situation.

Should I buy now or wait for interest rates to drop?

Timing the market is nearly impossible. We focus on your personal timeline, your equity position, and your goals. In most cases, waiting costs more than acting — but we will give you a straight answer based on your numbers, not a sales pitch.

What is it like to live in Fort Mill, South Carolina?

Fort Mill consistently ranks among the best places to live in the Carolinas. Strong schools, low taxes, easy access to Charlotte, and a genuine community feel. We live here — Mike's family of eight calls this area home — so we can give you a real answer, not a brochure.

How do I win in a multiple-offer situation?

Preparation, speed, and presentation. We coach our buyers on exactly how to structure a competitive offer — and our track record of over 2,200 closings means we know what sellers and their agents respond to.

What is the difference between Fort Mill and Rock Hill?

Both are in York County and offer tremendous value compared to Charlotte. Fort Mill tends to attract younger families drawn by the school system and newer developments. Rock Hill has a more established urban core, a strong university presence, and is undergoing significant revitalization. We work both markets daily and can help you find the right fit.

Do you work with active adult or 55+ communities?

Yes — this is one of our specialties. We have deep experience in Sun City Carolina Lakes, Four Seasons at Gold Hill, Carolina Orchards, and Brook Run. We know these communities from the inside and can help buyers and sellers navigate them confidently.

Do you work with veterans and VA loans?

Absolutely. Mike is a Marine Corps veteran and KW Military Ambassador. Supporting fellow veterans is personal for us. We understand VA transactions and are proud to serve those who served.

1007 Swift Creek Dr, Clayton, NC 27520

House Description

Just Shy of One Acre, Pool and Tennis Community... With VERY LOW HOA Dues for the Amenities... Great Schools, Quality Built Custom Home with concrete composite siding and brick. Three 1st Floor Bedrooms including Lovely Primary Suite w/Jetted Tub! Great potential for Multi Generational Living with split floor plan. Everything you need on the first floor, Including a nice laundry room. Expansive 2nd floor of three additional good size rooms and another full bath. Huge Front Covered Rocking Chair Porch, Large Screen Porch and Grilling Deck facing Sunsets, Smooth Ceilings, Large Rooms, Extra Large Custom Kitchen with lots of counter space, a nice Raised Breakfast Bar and many cabinets and a huge walk-in pantry, All freshly painted and looks gorgeous. Generous table area in the kitchen could be Reading Nook. Good sized and lovely dining room. Beautiful Floors Throughout, Interior all freshly painted, Garage Oversized with 8' High Door. Small Quiet Neighborhood Street, Move in Ready, NO CITY TAXES! Great medical services and retail all nearby. You are going to love it here!!! Major Point of Interest, seen on the last photo. On the plat it shows clearly that the distribution box for the septic is off to the right hand side of the back of the home and out towards the back of the lot for the septic field. Behind and beyond the driveway you have clear space for an additional garage/shop if you would like to build at a later date. Also there is plenty of room directly behind the home for additional outdoor living space. Additional notes of interest... Roof replaced July 2019, HVAC 1 of 3 units replaced July 2024, Septic pumped June 2025, Water heater replaced January 2024, GE Microwave April 2024, Trex on grilling deck 2023, Painted entire inside of the home 2023, Painted shutters and door 2025... Financing Available with JOE PESSOLANO 919-750-0011 with contributions depending on your loan with Fairway Home Mortgage #2289

Highlights

Listed by Donna Papier , 919-427-8678 Willow Tree Realty , 919-427-8678. Triangle MLS, Inc. of North Carolina mls logo

Property Type

Residential

Lot/Acreage

0.93

HOA Fee

500 Annually

Year Built

2006

County

Johnston

Neighborhood

Swift Creek

Listing ID

10158600

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms

▪ Bedrooms:4
▪ Bathrooms:3
▪ Full Bathrooms:3

Appliances:Dishwasher, Electric Range, Electric Water Heater, Microwave

Air Cond:Ceiling Fan(s),Central Air,Heat Pump,Zoned

Fireplaces:Family Room,Gas Log

Floor:Carpet,Hardwood,Tile

Above Ground Sq Ft:3380

Below Ground Sq Ft:0

Other:Breakfast Bar,Cathedral Ceiling(s),Ceiling Fan(s),Entrance Foyer,High Ceilings,Pantry,Master Downstairs,Room Over Garage,Separate Shower,Smooth Ceilings,Storage,Tray Ceiling(s),Walk-In Closet(s),Walk-In Shower,Whirlpool Tub,Bonus Room

Other:Public

Exterior Features

Lot:Few Trees,Hardwood Trees,Landscaped,Level,Partially Cleared,Rectangular Lot,Wooded

Lot Dimensions:see Johnston GIS

Zoning:RAG

Roof:Shingle

Others:Rain Gutters,Tennis Court(s),Deck,Front Porch,Porch,Rear Porch,Screened

Sewer:Septic Tank

Parking Features:Additional Parking,Attached,Concrete,Driveway,Garage,Garage Faces Side,Inside Entrance,Oversized

Payment Calculator

Payment Breakdown

Principal Interest

$3,066

Taxes

$311

HOA

$500

Home Price

$594,900

Home Price

Loan Details

30 yrs

6.683%

Interest Rate

Loan Type

Down Payment

20%

$118,980

Down Payment

Down Payment %

All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Monthly Price:

$3,065.64

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$3,065.64	$311.05	$500.00	$3,876.69
Yearly	$36,787.71	$3,732.59	$6,000.00	$46,520.30
Total	$1,103,631.18	$111,977.70	$180,000.00	$1,395,608.88