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.

432 Sapphire Ln, Chapin, SC 29036

House Description

Welcome to 432 Sapphire Ln, located in The Retreat at Portrait Hill! This well-maintained patio home is designed for true main-level living, featuring not one, but two primary suites on the main floor! An additional spacious room with a private bathroom above the garage creates a flexible layout ideal for guests, multi-generational living, or simply extra space to spread out.The Retreat includes front lawn care, allowing for low-maintenance living so your time stays yours. Step outside to a screened-in porch complete with ceiling fans and a fireplace, creating a cozy space to relax year-round. The extended back patio also provides plenty of room for entertaining or enjoying quiet evenings outdoors.Additional upgrades include built-in surround sound speakers, vaulted ceilings, and a 220V outlet in the garage. Plus, you’re just steps away from the community pool and all the amenities Portrait Hill is known forDisclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings. Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.

Highlights

Listed by Delia Hines , and William King , Keller Williams Realty , 803-772-5858. Consolidated MLS (IDX)

Property Type

Residential

Lot/Acreage

0.18

HOA Fee

332 Quarterly

Year Built

2019

County

Richland

Area

Rural NW Rich Co & NE Lex Co - Chapin

Neighborhood

Portrait Hill

School District

Lexington/Richland Five

Listing ID

631622

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms

▪ Bedrooms:3
▪ Bathrooms:3.5
▪ Full Bathrooms:3
▪ 1/2 Bathrooms:1

Appliances:Dishwasher, Disposal, Refrigerator, Microwave Above Stove, Tankless H20, Gas Water Heater, Dishwasher,Disposal,Refrigerator,Microwave Above Stove,Tankless H20,Gas Water Heater

Air Cond:Heat Pump 1st Lvl,Heat Pump 2nd Lvl

Fireplaces:Gas Log-Natural

Basement:No Basement

Other:Bar,Island,Nook,Counter Tops-Granite,Backsplash-Tiled,Cabinets-Painted,Recessed Lights,Floors-EngineeredHardwood,Ceiling Fan,Garage Opener,Attic Access,Gas,Master on Main

Other:Public

Payment Calculator

Payment Breakdown

Principal Interest

$2,128

Taxes

$265

HOA

$332

Home Price

$415,000

Home Price

Loan Details

30 yrs

6.634%

Interest Rate

Loan Type

Down Payment

20%

$83,000

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:

$2,127.81

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$2,127.81	$264.56	$332.00	$2,724.37
Yearly	$25,533.70	$3,174.75	$3,984.00	$32,692.45
Total	$766,011.05	$95,242.50	$119,520.00	$980,773.55