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.

202 Ridley Hill Ln, Elgin, SC 29045

House Description

Move-in ready single-level home with an open-concept layout and modern finishes throughout. The bright living area features durable wood-look flooring and flows seamlessly into a well-appointed kitchen with center island, ample cabinetry, and stainless steel fridge —perfect for everyday living and entertaining.Enjoy natural light throughout the home, proportionate sized bedrooms, and clean, neutral bathrooms with generous vanity space. A sliding glass door leads to the rear patio and backyard, offering easy indoor-outdoor living with no houses behind you!Located in the desirable Ellington community with a wonderful pool and convenient access to shopping, dining, and major routes, this home offers comfort, functionality, and value—all on one level! Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.

Highlights

Listed by Matthew Martin , Metro Realty Group LLC , 803-851-3160. Consolidated MLS (IDX)

Property Type

Residential

Lot/Acreage

0.02

HOA Fee

545 Yearly

Year Built

2022

County

Richland

Area

Columbia Northeast

Neighborhood

Ellington

School District

Richland Two

Listing ID

624592

Questions about this listing?

Contact Agent

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Payment Breakdown

Principal Interest

$1,281

Taxes

$159

HOA

$545

Home Price

$249,900

Home Price

Loan Details

30 yrs

6.634%

Interest Rate

Loan Type

Down Payment

20%

$49,980

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:

$1,281.30

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$1,281.30	$159.31	$545.00	$1,985.61
Yearly	$15,375.60	$1,911.74	$6,540.00	$23,827.33
Total	$461,267.86	$57,352.05	$196,200.00	$714,819.91