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.

454 Malachite Ln, Chapin, SC 29036

House Description

Owner is listing agent. Move-in ready in sought-after Portrait Hill! This 4-bedroom, 3.5-bath home with a 3-car garage offers lots of space and storage, style highlighted by an abundance natural lighting, and a highly functional layout, all tucked on a quiet cul-de-sac and backing to a private wooded setting with mature trees.Step inside to a welcoming two-story foyer with LVP floors and an elegant staircase. The open main level is designed for everyday living and entertaining, featuring arched openings, LVP flooring throughout the main floor, a spacious living room with a gas fireplace that flows into the dining area with coffered ceiling and a butler’s pantry. The gourmet kitchen is a true centerpiece with quartz countertops, large island with seating, a gas oven/stove, stainless steel appliances, and a walk-in pantry. A dedicated home office with a walk-in closet on the main floor provides the perfect work-from-home space.Upstairs, the owner's suite offers a relaxing retreat with a boxed ceiling, oversized his-and-hers walk-in closets, and a private bath with dual vanities, soaking tub, separate shower, and water closet. Three additional bedrooms—all with large walk-in closets—provide plenty of space. Bedrooms 2 and 3 share a Jack-and-Jill bath, while Bedroom 4 has convenient access to another full bath. A versatile loft adds extra living space for a media room, playroom, or flex area.Multiple linen closets, large walk-in closets, and a large closet under the stairs provide ample amounts of storge.Enjoy outdoor living on the covered porch and extended patio overlooking the fully fenced backyard with irrigation and wooded privacy—perfect for relaxing or entertaining.Portrait Hill residents enjoy top-tier amenities including a Jr. Olympic-size pool, clubhouse, amphitheater, playground, walking trails, and sidewalks, along with an active community atmosphere. Located just minutes from schools, I-26, Lake Murray, shopping, restaurants, and downtown Chapin, and zoned for award-winning Chapin schools, this home offers the perfect blend of comfort, convenience, and community.Come see why so many love calling Portrait Hill home—schedule your showing today! Disclaimer

Highlights

Listed by Kip Metler , eXp Realty LLC , 888-440-2798. Consolidated MLS (IDX)

Property Type

Residential

Lot/Acreage

0.17

HOA Fee

650 Yearly

Year Built

2020

County

Richland

Area

Rural NW Rich Co & NE Lex Co - Chapin

Neighborhood

Portrait Hill

School District

Lexington/Richland Five

Listing ID

635812

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms

▪ Bedrooms:4
▪ Bathrooms:3.5
▪ Full Bathrooms:3
▪ 1/2 Bathrooms:1

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

Air Cond:Central,Heat Pump 1st Lvl,Heat Pump 2nd Lvl,Zoned,Multiple Units

Fireplaces:Gas Log-Natural

Basement:No Basement

Other:Bar,Island,Pantry,Cabinets-Other,Backsplash-Tiled,Recessed Lights,Counter Tops-Quartz,Floors-Luxury Vinyl Plank,Office,Loft,Garage Opener,Security System-Owned,Attic Pull-Down Access,Free-standing,Gas

Other:Public

Payment Calculator

Payment Breakdown

Principal Interest

$2,692

Taxes

$335

HOA

$650

Home Price

$525,000

Home Price

Loan Details

30 yrs

6.634%

Interest Rate

Loan Type

Down Payment

20%

$105,000

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:

$2,691.81

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$2,691.81	$334.69	$650.00	$3,676.49
Yearly	$32,301.67	$4,016.25	$7,800.00	$44,117.92
Total	$969,050.12	$120,487.50	$234,000.00	$1,323,537.62