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.

118 Silverado Trl, Semora, NC 27343

House Description

The perfect Lake Home for Entertaining guests of all ages. Beautiful Grey Brick home with Brock vinyl decking located on the Northern end of Hyco Lake DEEP WATER. Single slip boat dock is the size of a double slip dock. A second slip could be cut into original dock. Dock has jet ski lift, storage room with shelving, refrigerator and speakers. Get out of the sun by going into the screened-in porch on the dock with the fabulous views out to the widest part of Hyco Lake. Inside and outside Furniture stays with home so you can move right in and start enjoying the lake the day of closing. Original A frame was gutted, renovated and added onto in 1997. Master suite is on Main Floor with Huge bathroom that has double vanities and a jetted tub. Large open Living/Dining Room set up. Granite counter tops in Kitchen, Garden Tub in Master bath, Jacuzzi Tub in basement, Hot Tub outside, Home comes with Pool Table, Wet Bar, Built in wall Fish Tank, outdoor Ping Pong, outdoor Granite counter top to sit and view your favorite shows with the Wall Mounted TV and Recliners and outdoor speakers. Home has inside and outside speakers everywhere including dock and central vacuum system. Lower patio has glass rock fire table and Fire Bowl overlooking the hot tub, 3 Gas Log Fireplaces inside and Large Patio and deck that extends length of house. Home has 4 garages, 2 attached and 2 detached with bonus flex space that can be used as a workout room, craft room, storage room etc. This home has everything you need for Entertaining on Hyco Lake, including GREAT Neighbors! New Roof 2022, New Boat Lift Motor in 2025, New Dishwasher 2026, New HVAC on Top Floor July 2026. This home can be rented.

Highlights

Listed by Carla Stovall , 336-504-0719 West & Woodall Real Estate - S , 336-322-5800. Triangle MLS, Inc. of North Carolina mls logo

Property Type

Residential

Lot/Acreage

1.56

HOA Fee

300 Annually

Year Built

1979

County

Person

Neighborhood

Hyco Lake

Listing ID

10178306

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms

▪ Bedrooms:3
▪ Bathrooms:4
▪ Full Bathrooms:2
▪ 1/2 Bathrooms:2

Appliances:Bar Fridge, Dishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Exhaust Fan, Ice Maker, Microwave, Range, Refrigerator, Stainless Steel Appliance(s), Trash Compactor, Washer, Water Softener

Air Cond:Ceiling Fan(s),Central Air,Electric

Fireplaces:Blower Fan,Family Room,Gas,Kitchen,Living Room

Floor:Carpet,Hardwood,Tile,Wood

Above Ground Sq Ft:2955

Below Ground Sq Ft:1468

Basement:Block,Daylight,Exterior Entry,Finished,Heated,Interior Entry,Partial

Other:Bar,Bookcases,Ceiling Fan(s),Central Vacuum,Chandelier,Crown Molding,Dining L,Double Vanity,Eat-in Kitchen,Granite Counters,Kitchen Island,Kitchen/Dining Room Combination,Living/Dining Room Combination,Recessed Lighting,Shower Only,Smooth Ceilings,Sound System,Walk-In Closet(s),Walk-In Shower,Wet Bar,Whirlpool Tub,Bonus Room,Office

Other:Well

Exterior Features

Lot:Hardwood Trees,Irregular Lot,Lake on Lot,Landscaped,Partially Cleared,Sloped,Waterfront

Lot Dimensions:See Plat

Roof:Asphalt,Shingle

Others:Boat Slip,Dock,Lighting,Rain Gutters,Deck,Patio

Sewer:Septic Tank,Perc Test On File

Parking Features:Additional Parking,Attached,Basement,Circular Driveway,Concrete,Driveway,Garage,Garage Door Opener

Payment Calculator

Payment Breakdown

Principal Interest

$9,786

Taxes

$708

HOA

$300

Home Price

$1,899,000

Home Price

Loan Details

30 yrs

6.683%

Interest Rate

Loan Type

Down Payment

20%

$379,800

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:

$9,785.94

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$9,785.94	$707.67	$300.00	$10,793.61
Yearly	$117,431.26	$8,492.09	$3,600.00	$129,523.35
Total	$3,522,937.66	$254,762.70	$108,000.00	$3,885,700.36