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.

1025 Palamino Ln, Elgin, SC 29045

House Description

**PRICE IMPROVEMENT & $8K CLOSING COSTS** This Charleston-style 5-bedroom, 3-bath home blends everyday comfort with spaces designed for entertaining. Hardwoods flow throughout the main level, where large openings and a welcoming foyer create an easy flow between the kitchen, dining, and living areas. The kitchen features a large island overlooking the living space, making it easy to stay connected while hosting guests or enjoying daily life. A main-level bedroom with a semi-private bath offers the perfect setup for overnight visitors. Upstairs, the impressive 17x17 primary suite features two walk-in closets and a spacious private bath. French doors lead into the versatile fifth bedroom, ideal for a home office, exercise/yoga studio, playroom, or flex space to fit changing needs. Enjoy peaceful sunsets from the upper porch or relax on the screened deck, another inviting space perfect for entertaining outdoors. Neighborhood amenities include a pool for cooling off during the summer and a playground where kids can burn off energy. The roof and HVAC were replaced just three years ago. Conveniently located near I-77 and I-20. Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.

Highlights

Listed by Yasmeen Scott , Coldwell Banker Realty , 803-788-2811. Consolidated MLS (IDX)

Property Type

Residential

Lot/Acreage

0.19

HOA Fee

525 Yearly

Year Built

2012

County

Richland

Area

Columbia Northeast

Neighborhood

Jacobs Creek

School District

Richland Two

Listing ID

634608

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms

▪ Bedrooms:5
▪ Bathrooms:3
▪ Full Bathrooms:3

Appliances:Dishwasher, Disposal, Microwave Above Stove, Tankless H20, Dishwasher,Disposal,Microwave Above Stove,Tankless H20

Air Cond:Central,Heat Pump 1st Lvl,Heat Pump 2nd Lvl,Split System,Zoned

Fireplaces:

Basement:No Basement

Other:Eat In,Floors-Hardwood,Island,Pantry,Counter Tops-Granite,Cabinets-Stained,Backsplash-Tiled,Recessed Lights,Ceiling Fan,Garage Opener,Smoke Detector,Attic Pull-Down Access,Free-standing,Self Clean,Smooth Surface

Other:Public

Payment Calculator

Payment Breakdown

Principal Interest

$1,759

Taxes

$219

HOA

$525

Home Price

$343,000

Home Price

Loan Details

30 yrs

6.634%

Interest Rate

Loan Type

Down Payment

20%

$68,600

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:

$1,758.65

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$1,758.65	$218.66	$525.00	$2,502.31
Yearly	$21,103.76	$2,623.95	$6,300.00	$30,027.71
Total	$633,112.75	$78,718.50	$189,000.00	$900,831.25