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.

1540 Ross Rd, Elgin, SC 29045

House Description

Calling all dreamers, design lovers, and HGTV enthusiasts! This full-brick home sits on 2.4 acres in a prime Elgin location, offering plenty of room to spread out with no HOA. Enjoy a peaceful, spacious setting without feeling far from everything, approximately 10 minutes from I-20, 15 minutes from shopping and dining at Village at Sandhill, and 30 minutes from Downtown Columbia. Originally built as the personal residence of a local Columbia custom home builder, this home offers quality construction and a spacious, functional floor plan. The main level features the primary suite, formal dining room, enclosed sunroom, and generous living spaces, while upstairs you’ll find three additional bedrooms plus a bonus room. Bring your paint swatches, flooring samples, and favorite Pinterest inspiration because the interior is ready for a cosmetic refresh. The best part? The big-ticket items are already taken care of with NEW ROOF and NEW HVAC system. Offered as-is! Home inspection available upon request. Please note that the home has a noticeable smoke odor and will need new carpet and paint. Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.

Highlights

Listed by Nicole Davis , and McKenna Davis , Coldwell Banker Realty , 803-788-2811. Consolidated MLS (IDX)

Property Type

Residential

Lot/Acreage

2.4

Year Built

1998

County

Kershaw

Area

Kershaw County West - Lugoff, Elgin

Neighborhood

None

School District

Kershaw County

Listing ID

638877

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms

▪ Bedrooms:4
▪ Bathrooms:3
▪ Full Bathrooms:3

Appliances:Dishwasher, Microwave Above Stove, Gas Water Heater, Dishwasher,Microwave Above Stove,Gas Water Heater

Air Cond:Central

Fireplaces:Gas Log-Propane

Basement:No Basement

Other:Eat In,Pantry,Counter Tops-Formica,Floors-Tile,Cabinets-Painted,Bonus-Finished,Attic Access,Smooth Surface,Master on Main

Other:Public

Payment Calculator

Payment Breakdown

Principal Interest

$1,871

Taxes

$233

Home Price

$365,000

Home Price

Loan Details

30 yrs

6.634%

Interest Rate

Loan Type

Down Payment

20%

$73,000

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:

$1,871.45

Principal

Taxes